23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX 2016, I received a letter from the Creditors Bureau Associates of XXXX collecting payment for XXXX XXXX, account number XXXX ( XXXX Notice ). I contacted XXXX XXXX from the company and found out that the actual collection was for the XXXX XXXX of Georgia. I told XXXX XXXX that I will contact my insurance and investigate the issue. Since then I have relocated and do not have time to follow up with the status of the insurance company. On XXXX XXXX 2016, I received another letter from the Creditors Bureau Associates XXXX informing me that my past due account which is now XXXX, has been report to the Credit Bureaus XXXX XXXX XXXX, and XXXX
Product: Debt collection

I took out this student loan for {$1000.00} in XXXX. The loan was sold to navient. I paid {$600.00} dollars back in XXXX, in which I don't have the proof anymore and neither does Navient. I received several phone calls and emails about paying the bill. Navient has falsely reported on my credit report that I owe {$1700.00} when I only owe {$400.00}. This is a XXXX XXXX XXXX debt that should be removed from my report and I shouldn't have to pay.
Product: Debt collection

XXXX/XXXX / {$790.00} / {$2000.00} / {$1200.00} Opened XX/XX/XXXX This was open fraudently and I have reported it numerous times and Equifax has it on my credit file now as closed and it needs to be deleted. 

XXXX / ACT # XXXX / Opened XX/XX/XXXX {$7700.00} This was open fraudently and I have reported it numerous times and Equifax has it on my credit file now as closed and it needs to be deleted. 

XXXX / ACT # XXXX / Opened XX/XX/XXXX $ XXXX {$180.00} This was open fraudently and I have reported it numerous times and Equifax has it on my credit file now as closed and it needs to be deleted. 

Inquries that are due to Fraud! I have not been able to get into my Equifax Credit report for some time now and it is because every time I call I can not get into the file with an agent because of all the Fraudlent items opened on my account that I am not able to verify because they are not mine! I was finally able to go online and see my report and as I thought all types of fraudlent things are there. Over 20 inquiries that I sent in a dispute for on XX/XX/XXXX and they most likely will not delete them as usual. It is runing me from purchasing things that are needed to survive in life. 

Inquiries : Fraudulent! 
XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX
Product: Credit card

Questioning my jcpenney account/synchrony bank. I contacted customer service on XX/XX/2016 .they replyed on XX/XX/2016 with stupid answer about interest and rates. there is fluctuation of payments.XX/XX/XXXX $ XXXX-XXXX. XX/XX/XXXX $ XXXX-XXXX.XX/XX/XXXX $ XX/XX/XXXX-XXXX. XX/XX/XXXX $ XXXX-XXXX. I have not used card in a year. balance keep going up instead of down. started with $ XXXX.I have not missed any payments ever. started account in XXXX.since moving to az there have been XXXX with account. I refuse to buy anything from jcp.why pay account out you do n't know the balance.the ceo XXXX XXXX XXXX is no help. This is what discourage consumers who make timely payments. please, please help with fluctuations of payment.bill should be going down. addition of more interest and days than should be.this may not be of interest to some, but I have heard from some other customers the same problem to cook books. 
I do have jcpenney credit card, but will not use it.I was sent information last time when XXXX XXXX became ceo. nothing new.I know interest rules.
Product: Debt collection

I called walmart service number on the back of the card on or around XX/XX/XXXX and explained that I had been through a hardship and wanted to get my walmart card back on track I told him that I couldn't make a payment until XX/XX/XXXX and will pay the rest of the balance XXXX by the next due date. Thinking everything was fine until I got an alert from the credit bureau that my walmart card was closed on XX/XX/XXXX wow I thought they were working with me I guess not. I called the number on the back of the card on XX/XX/XXXX to find out what happened to the agreement. The lady on the stated the call would be recorded that's fine so I told her that I would be recording the call as well and she said that it wasn't ok so we ended the call. I just wanted to record it because of the call on or around XX/XX/XXXX when i made the arrangement to make a payment by XX/XX/XXXX. They obviously lied about helping me get back on track. I spoke with an attorney prior to trying to work out things with my credit cards he told me to just file bankruptcy because they are not going to work with me. He was half way right all of my credit card companies and mortgage is working with me except XXXX XXXX cards. After the phone call I get some email from a collection agency. XXXX XXXX is not interested in helping customers when they have fallen on hard times.
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 USC1681. 
XXXX  Account XXXX # XXXX XXXX  Account XXXX XXXX  XXXX  Account # XXXX, XXXX  Account XXXX  Account # XXXX, Non authorized inquiries : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS, XXXX XXXX XXXX XXXX XXXX XXXX KY, XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has VIOLATED my RIGHTS. 
15 U.S.C 1681 SECTION 602A, States I have right to privacy.

15 U.S.C. 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 items 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX   XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to delete these items. 

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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Demand to Comply with 15 USC 1692g ( a ) in Regards to Collections Dear [ XXXX XXXX XXXX ], I am writing to express my concerns and demand compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g ( a ). As a consumer, I am well aware of my rights under this statute, and I am exercising my right to request validation of the alleged debt you are attempting to collect. 

Under 15 USC 1692g ( a ), a debt collector is required to provide me with written validation of the debt within XXXX days of their initial communication regarding the debt. This validation should include : XXXX. The amount of the debt XXXX. The name of the original creditor XXXX. A statement that if I dispute the debt within 30 days, the debt collector will provide me with verification of the debt XXXX. A statement that if I request the name and address of the original creditor within 30 days, the debt collector will provide me with such information I am formally requesting that you provide me with the aforementioned information within the time frame stipulated by law. Failure to comply with this request may result in legal action to protect my rights under the FDCPA. 

Please communicate with me exclusively in writing moving forward, and I kindly request that you cease any and all communication regarding this alleged debt until the required validation is provided. 

I expect full cooperation and prompt action in accordance with the law. If I do not receive the requested information within the stipulated time frame, I will have no choice but to take appropriate legal steps to ensure my rights are upheld. 

Sincerely, [ XXXX XXXX ]
Product: Credit card

This card is not mine I authorized to be added as a user only but its reporting as a joint that I never authorized please have this removed from my credit as it is not my account
Product: Checking or savings account

On XX/XX/2023 I opened a checking account with a {$500.00} electronic deposit and on XX/XX/2023 deposited {$500.00} to qualify for an advertised {$320.00} reward/bonus. Two stipulations where that the deposits be made electronically and kept in the account for 3 months. After that time the account would be reviewed, and the bonus would be deposit into the account. At that time the bank determined that my deposit didn't meet the requirements of a qualifying electronic deposit, therefore I wasn't entitled to the bonus. On my bank statement for the deposits made it lists the deposit as " Total amount of qualifying electronic deposits ''. I made a complaint at the bank, however, they said I didn't qualify because the deposits weren't monthly deposits like social security payments, work payments etc. I believe I met the requirements and that the bank should honor out agreement. Thank you for your time and consideration in this matter.
Product: Student loan

I have been dealing with Edfinancial and trying to get a refund from them since I was approved for the Borrower Defense and was to have my loans dismissed and what I had paid refunded to me. The government explicitly laid out parameters which stated that the refund was meant to be sent to me by either check or bank account. I kept asking customer service questions and I always got the same response, " We have no control over the Department of Educations time line and there is no expected time frame when you'll receive the refund. '' I had to try a different approach and I asked the last agent I spoke to to explain to me where this " XXXX '' payment came from and suddenly XXXX says " XXXX showing we sent a refund check on XX/XX/XXXX '' which I NEVER received and it had somehow magically appeared to be paid to my balance on XX/XX/XXXX. She then said to me they didn't use the money to put towards a balance but that she submitted a " request '' for a refund even though she also said that " no, we didn't place it towards a balance '' which is clearly a blatant lie. I have been messed around with for over a year now with no results and they decided to use my money to pay a balance which I did NOT authorize especially since I've been asking when I'm going to get my refund for over a year.
Product: Credit reporting or other personal consumer reports

I spoke to the 3 credit Bureau back on XX/XX/2024 about a collection account XXXX XXXX XXXX XXXX. I told them that this account is fraud and provided them with a police report, FTC report number, and XXXX report and nothing changed I dont believe they are doing an actual investigation. I reached out to the collection agency on XX/XX/2024 on the phone and still havent received any documentation that validates this debt. And I also sent a letter to them on XX/XX/2024 and received no response.
Product: Credit reporting 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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$860.00} XXXX XXXX Balance Owed : {$890.00}
Product: Credit reporting or other personal consumer reports

On several occasions I have disputed the XXXX XXXX XXXX credit card account that appears erroneously on my Experian and XXXX credit reports without receiving an effective response to the request, and I even made an identity theft report that I also sent but Experian and XXXX note that they did send it. not conducting an efficient investigation to determine that the account that appears on my XXXX  XXXX XXXX card credit report does not belong to me and they even put an address on the card account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other active accounts that are currently reporting and that is why I request that this erroneous account that appears in EXPERIAN AND XXXX be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information shown below is the erroneous one shown in Experian and XXXX. XXXX  XXXX XXXX Account Number XXXX ( unknown ) : Please remove it from my credit report. Status of this account IN COLLECTIONS/CHARGE OFF, 120+ DAY LATE. LINE OF CREDIT {$500.00}. I have contacted the bank and they tell me that they do not have any information about me in their database for this card XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : Remove from my credit
Product: Debt collection

XXXX reported a collection initiated in XXXX under the name CREDIT COLLECTION SERVIC. In XXXX I was 15 years of age. XX/XX/XXXX on my XXXX birthday I pulled my credit report and noticed my name attached to the wrong birthday ( XX/XX/XXXX ) along this fraudulent collection. 

This has caused me hardship and denial of credit based on fraud information ( 15 USC 1038 ). Based on all violations I have attached my invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items 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 creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 CORRECT or DELETE all information which can not be verified. 

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

I am re-filing this case because Equifax mailed me a letter stating that the information I am disputing on case XXXX and case XXXX have been verified and it is reporting correctly. 

For the 2nd time Equifax tells me to contact the TX Fed BK Court. I attached this letter in my first complaint showing I have contacted The US Bankruptcy court and they have stated in a letter which is attached again that they do not report information to or remove information from the credit bureaus which is unverifiable. 

Also, attached is a letter from XXXX of whom Equifax use to verify this information. XXXX letter states they have reviewed the information from the bankruptcy records and determined the data being reported as unverifiable. 

XXXX also stated that they conducted their research from the following source : XXXX XXXX XXXX. 

Please see attached XXXX, the court letters and Equifax letters.
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights.

Thank you for your prompt attention to this matter. 
Sincerely, this account : XXXX. XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I received an offer preliminary approval for a new loan with reprise financial, the offer was accepted I fill up a new application for the loan, a hard inquiry was done on my credit and I was approved for three different loan. 
One was for {$23000.00} with a title of my vehicle Another was a pay of the existing title loan of {$6000.00}, and {$3000.00} increase on the new loan There is at least XXXX mores different offer, that was offer to me, I told the agent that I was going to accept the {$23000.00} offer, I was told that my XXXX XXXX XXXX doesn't have the same value, I will need another vehicle, I told the agent that I just bought a XXXX I have the title on my hand, they can put a lien on it and process with the loan. The agent reply that the vehicle must have registration and insurance, and put pressure on me to just accept the {$3000.00}, told the agent I will think about it, a couple days I called asked if they do refinance, they told me yes, my credit is better now compare to the original loan so I request a refinance a request was put in since a weeks no answer, I called today 's to just go head accept the {$3000.00}. Was told credit are no longer available, asked base on what no answer was giving, never been late or missing any payment and have good credit
Product: Debt collection

XXXX XXXX XXXX has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major XXXX. This is a major XXXX violation because I have never done business with XXXX XXXX XXXX yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problems due to their illegal tactics. My request has gone ignored & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to XXXX.
Product: Mortgage

Wells Fargo Class Action Suit Claim I had two home loan mortgages with Wells Fargo during the period of XXXX - XXXX. I believe that my home mortgage rate should have been much lower than what was offered to me at the time of my refinancing and was not given an opportunity for a lower rate. In addition, I believe that my closing cost was grossly overstated which was forced to pay. 

Please investigate these issues. My home loan mortgage account numbers are XXXX ( year XXXX ) and XXXX ( year XXXX ). 

Thank you for your cooperation in this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX phone : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of XXXX inaccurate eviction records from my tenant rental history. Upon reviewing my credit report and rental history, I discovered XXXX entries that do not pertain to me and are adversely affecting my ability to secure housing. 

1. Incorrect Eviction Record : One of the eviction records listed is associated with XXXX XXXX XXXX  and does not belong to me. It is linked to an individual who has a different Social Security number. I have never been evicted, and this record is a clear error that needs to be rectified. 

2. Dismissed Case : The second eviction record pertains to XXXX XXXX XXXX and is associated with a case that was dismissed at the cost of the plaintiff. This eviction should not be part of my rental history, as it was resolved in my favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the company provide me method of verification of items that are on my credit report. As of XX/XX/2019 there are 2 items listed on my report they refuse to provide this information. They Said on XX/XX/2019, I think they are confuse with what I am asking, so I will quote what FCRA, Section 609 a ( 2 ) requires credit reporting agencies to disclose the source of the information being reported or delete it. In reference to the 1 bankruptcies listed on my report they said they got public information fromfederal bankruptcy court. this a problem, because the bankruptcy court says that they do not provide information to Agencies directly. They said that they do not have any records of them contacting them and public records can be access on many applications and they can be inaccurate. The court made clear they do not report to credit reporting agencies. FCRA, Section611, paragraph ( 6 ) ( B ) iii regarding procedures and investigating states if requested by consumer, a description of the procedure used to determine the accuracy and completeness of information must be provided to the consumer by the reporting agency, this include business name and address of any furnisher. As of XX/XX/2019 the company has not done so. With XXXX XXXX XXXX I needed them to provide me with method of verification and they failed to do so.