23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX XXXX I rented an apartment with XXXX XXXX XXXX owned by XXXX XXXX for 1 year contract to end in XXXX XXXX. In XXXX I gave the first notice so i can move out on XXXX XXXX and the manager at XXXX said the notice it is less than 30 days, so i had to stay one more month. In XXXX I put another notice in the drop box at the XXXX XXXX office, and i moved out in XXXX. Few months later i called them to claim my deposit and was told they could not find my notice. I then went there to follow up and the manager repeated the same thing saying my notice could not be found, few seconds later, after she took time look again, she said she remembered seeing before but it was a late notice, and so she could not refund any deposit, they would keep it until I pay one more month or she would deduct that from the one month rent that was due. I told her that was not right, she could charge me because my notice could not be found, and left. Months later i started getting bills after bills urging to pay otherwise it would be sent to collection. A month ago I went to visit a banker and was told I have a debt collection on my credit report. So i tried to contact XXXX and was told that it was Updated, it could not deleted, that I still have that to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureaus on numerous occasion in regards to erroneous items on my credit report. I tried reaching out to XXXX, Transunion, and XXXX. I have yet to receive any documentation and its investigations have extended longer than the 45 days. I am now requesting these erroneous items be removed from my credit report.
Product: Debt collection

I received a letter from a lawyer 's office regarding a credit card debt. The creditor is XXXX XXXX. I reported this account to the creditor and the credit bureau as a fraudulent account that I did not make. I stated that the account was applied and made by identity theft. 
Once I discovered the account 's existence, I reported a police report with an FTC identity theft report. Also, I requested proper verification to be processed for the fraudulent credit card account. 
Unfortunately, the credit did not provide any documents to me suggesting that I applied and used the account. The only documents I received were monthly statements of the fraudulent accounts. 
I requested a specific document, which was a written contract/agreement that was made between me and the XXXX XXXX. 

I do not understand how XXXXXXXX XXXX can sell this fraudulent account to the collection agency when they clearly failed to conduct a proper verification process of this fraudulent account. 

Also, the date Zwicker and Associate posted on the upcoming lawsuit is XX/XX/XXXX and stated that I must reply back within 30 days. I only received the letter today, which is XX/XX/2021. I know by law I have 30 days to respond back to them, but I only received the letter today. 

Zwicker and Associates are playing games with me in order for them to not to provide any verifiable documents to me.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes. According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer. I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards were followed.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian and XXXX, two major credit reporting agencies, for apparent violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i, Section 611. 

Over the past several weeks, I have been actively disputing inaccuracies on my credit report with both Experian and XXXX. Despite my continuous efforts and communication, I have observed persistent discrepancies that have not been addressed appropriately. 
15 USC 1681e ( b ) : Under this section of the FCRA, consumer reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information in a consumer report. It appears that both Experian and XXXX have failed to adhere to these reasonable procedures, as the inaccuracies on my credit report have not been rectified, causing significant harm to my creditworthiness. 
According to this section, a consumer reporting agency is obligated to conduct a reasonable investigation into disputed information within 30 days. Despite disputing the information on my credit report for an extended period, neither Experian nor XXXX have provided me with a description of the investigation process, as mandated by the FCRA. 
I will kindly request that the Office of the Attorney General investigate the actions of Experian and XXXX concerning my credit report. Specifically, I am seeking assistance in ensuring that both agencies adhere to the provisions of the FCRA, promptly conduct a thorough investigation into the disputed information, and provide me with a detailed description of the investigation process as outlined in Section 611.

I appreciate your attention to this matter and trust that the Consumer Protection Division will conduct a thorough investigation into the alleged violations by Experian and XXXX. 
I look forward to a prompt resolution to rectify the inaccuracies on my credit report and that both credit reporting agencies comply with federal law.
Product: Credit reporting or other personal consumer reports

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH EQUIFAX, XXXX, AND XXXX. I HAVE DISPUTED THIS ON THIS XX/XX/XXXX, AND SENT THEM THIS LETTER ON XX/XX/XXXX. UNFORTUNATELY, THE INCORRECT INFORMATION AND ACCOUNT ARE STILL SHOWING. AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

INACCURATE INFORMATION REPORTING IN EQUIFAX : These information is inaccurate : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
The following accounts are not mine : XXXX - XXXX, XXXX XXXX XXXX, XXXX - XXXX, These inquiries were not authorized : XXXX  - XX/XX/XXXX XXXX This inquiry is not authorized. Please remove from my report. 
XXXX XXXX XXXX - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 

INACCURATE INFORMATION REPORTING IN XXXX : These information is inaccurate : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
The following accounts are not mine : XXXX - XXXX, XXXX XXXX  XXXX - XXXX, These information is inaccurate : These inquiries were not authorized : XXXX XXXX  - XX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is not authorized. Please remove from my report. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry is not authorized. Please remove from my report. 

INACCURATE INFORMATION REPORTING IN XXXX : This information is inaccurate : Incorrect Address - XXXX XXXX XXXX, XXXX, PA, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
The following accounts are not mine : XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has bought a debt for a rental apartment complex that I use to live with XXXX XXXX. 

Upon move out no move out visit or documentation was completed and the apartment complex charged me {$3000.00} + in " cleaning fees '' the apartment was left in good condition and I was never contacted or provided the information until it was purchased by a debt collector. 

I've contacted the company several times requesting documentation and was told " they aren't required to send me anything other than the bill itself and the lease '' They are negatively reporting on my credit and the balance is inaccurate and they will not provide documentation on how they arrived or came up with the additional charges. They also took my entire security deposit.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern the violating my rights and Im a victim my identity Consent to any one of these companies and please verify a signature on the document.

1681b. Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena XXXX issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.

These are a list of all 8 false accounts or close accounts affecting me for pursuing and achieve better in my life. Theyre all closed and I dont recognize. 

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 XXXX XXXX
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, ( Original Creditor : XXXXXXXX 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 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just log in on My computer and XXXX XXXX ( XXXX ) credit bureau Collection back XX/XX/XXXX And at this time I use to have Insurance card has been presented, why you guys left collection bill on my credit report XXXX XXXX XXXX XXXX CT, XXXX Pa XXXX Dob : XX/XX/XXXX SSN : XXXX
Product: Checking or savings account

As a part of a cutover to a " new '' website Capital One has retired functionality for consumers to search transaction history. Users are provided recent history and monthly statements, that is it. Search capability had existed for the past two decades.This is a basic feature required for account management. Omitting the capability directly prevents appropriate access to data and is, therefore, a violation of consumer trust, account management and basic access required within the financial industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting 2 years ago I started seeing a XXXX XXXX address on my list of addresses. I knew this was incorrect and tried to dispute it to no avail. I left it alone until I went to XXXX XXXX and looked up XXXX XXXX XXXX. Well lo and behold there is a XXXX XXXX XXXX ( which is my name as well ) living in XXXX XXXX, TX. 
So a few months down the road I am checking my credit report and it is claiming I have opened accounts that are not mine, and loans that are not mine. I went to dispute them but could not pass the identity questions because I don't have a car loan-she does- I don't have a retail credit card- she does so I was locked out. I finally called and spoke to someone at Transunion and explained the problem and they said I would have to fax them a picture of my drivers license, social security card, and a bill. I did this. When they sent my results to me they sent it in an email and with the same identity questions, I ALWAYS FAIL.NOW, THEY WON'T SPEAK TO ME ON THE PHONE REGARDING THE ISSUE BECAUSE OF PROTECTING MY IDENTITY. IT HAS NOW SPREAD TO ALL 3 AGENCIES.
Product: Debt collection

Dear CFPB, I am writing to inform you of a dispute I have with my credit report. I have identified inaccurate information on my report from ( XXXX, XXXX, and XXXX ). 

Dear RESURGENT/LVNV FUNDING, I, XXXX XXXX XXXX am disputing all debts owed. I am also writing you this letter to revoke all means of communication with me via email, text, mail, calls. 

RESURGENT/LVNV FUNDING Collection Agency did not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but they placed a collection on your consumer report. 

I have not have not been given the opportunity to dispute account according to law 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is currently violating my consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law, RESURGENT/LVNV FUNDING is in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Also, I request that this debt be validated by furnishing my orginial purchase agreement between RESURGENT/LVNV FUNDING and the original creditor. I am also requesting RESURGENT/LVNV FUNDING furnish their licensure and bond to collect this debt from me. 

I request that ( XXXX, XXXX, and XXXX ) investigate this dispute and remove or correct the inaccurate information within 30 days. 
Thank you for your time and assistance in this matter. 
Sincerely, XXXX XXXX XXXXXXXX
Product: Student loan

I graduated in XX/XX/XXXX and reached out to my loan servicer about repayment options. The representative I spoke with said I qualified for a 12 month forbearance because I had not started working full time yet. I went ahead with the forbearance but after 12 months, my loan amount had increased so much that I could not afford to repay it using the standard payment plan so I enrolled in the income based repayment plan and was working towards making 25 years of payments to have my loan forgiven. When the REPAYE program was launched, I called Navient in XX/XX/XXXX and spoke to a representative who informed me that since I had a gradplus loan on my account that I did not qualify for the REPAYE program but if I consolidated my loans then I would qualify for the program. I was informed that by consolidating I would forfeit the 4 years worth of payments I had been making under the IBR plan towards loan forgiveness. I chose to consolidate in order to lower my monthly payments and enter the REPAYE program. Navient put me in the REPAYE program for 2 years with no problems but when I tried sending in my tax return this year to renew, I was placed in the ICR plan which increased my monthly payments from {$910.00} to {$2000.00}. I called Navient for an explanation and they said since I had a gradplus loan then I didn't qualify for REPAYE. I informed them that I was told by a Navient representative in XX/XX/XXXX to consolidate my loans to conform to the REPAYE program and that I have been enrolled in REPAYE for the previous 2 years. I told them I would never have consolidated and forfeited the 4 years worth of payments I had made under the IBR plan from XX/XX/XXXX-XX/XX/XXXX if the representative hadn't given me the incorrect information and asked them why I was enrolled in the REPAYE the previous 2 years without any issues. The Navient representative said they made a mistake but there was nothing they could do about it. Now they are informing me that I don't even qualify for IBR because of the consolidation and that I only qualify for ICR which I can't afford. If they had not given me the incorrect information in XX/XX/XXXX then I would have never consolidated and forfeited 4 years worth of payments and just stayed in the IBR plan.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I went to try to buy a car and the dealership kept pulling my credit even when I was not there.
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. 
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. and lastly 15 U.S.C 6802 ( b ) Opt-Out I was never given the option to opt out and not report to my credit with out pressure
Product: Vehicle loan or lease

I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX AND XXXX  AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT CAR LOAN IS BEEN REPORTED IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION APPEARS ON MY CREDIT REPORT, I DID NOT MAKE OR APPROVE OF THIS CAR LOAN WITH WELLS FARGO DEALER SERVICES. THIS HAPPENED BECAUSE OF IDENTITY THEFT. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK THE FRAUDULENT INFORMATION ON MY CREDIT REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR BUSINESS DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked on several occasions Experian to forgive the late payments with XXXX XXXXXXXX my balance is XXXX and they are still reporting late payment issues