23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Date : XXXX XXXX Amount : {$150.00} Action Steps Taken : 1. Contacted the Lender : I reached out by [ phone/email/letter ] to request detailed information regarding the repossession of my vehicle.

I asked for clarification on the reason for the repossession and requested an itemized breakdown of the amount owed.

2. Requested Documentation : I formally requested copies of the loan agreement, payment history, and any communication sent regarding missed payments or default on the loan.

3. Explored Resolution Options : I inquired about the possibility of reinstating the loan or redeeming the vehicle, including the total amount required and any associated deadlines.

4. Reviewed Rights and State Laws : I reviewed my rights regarding vehicle repossession under [ state name ] laws to ensure proper procedures were followed by the lender.

5. Followed Up : I followed up with the lender on XXXX XXXX to confirm receipt of my request and to seek updates regarding the next steps. 

You can adjust this to reflect the exact steps youve taken or plan to take. Let me know if youd like to refine it further!
Product: Debt collection

BRIDGECREST -- XXXX Dear Debt Collector 's, I am writing this letter to present you with an opportunity to settle the dispute between us before initiating arbitration proceedings. It has come to my attention that your agency inaccurately reported information on my credit report, leading to the denial of credit applications. Enclosed with this letter, please find the adverse action letters as evidence of the denials I received based on this inaccurate reporting. In the event that you choose not to accept this settlement offer within [ number of days, e.g., XXXX  days ] from the receipt of this letter, I will be left with no choice but to proceed with initiating arbitration proceedings. This course of action would entail additional fees and expenses for your agency, including the payment of my attorney fees. ( If I choose to hire an attorney ) I believe that it is in both our interests to resolve this matter amicably and avoid unnecessary litigation. Therefore, I strongly urge you to carefully consider this settlement offer and respond promptly. Please communicate your acceptance or any counteroffer in writing to the address provided above. I kindly request that you retain copies of all correspondence related to this matter for future reference. As you may be aware, arbitration can be a costly and time-consuming process for both parties involved. In an effort to avoid unnecessary fees, expenses, and complications associated with arbitration, I am extending this settlement offer to you. Settlement Offer : Amount : {$5000.00} ( XXXX XXXX Dollars ) This amount represents a discounted settlement in consideration of the inconvenience, harm, and negative impact caused by the inaccurate reporting on my credit file. It is essential to note that this offer is timesensitive and is contingent upon your prompt acceptance. Furthermore, I would like to draw your attention to the original agreement between myself and the original creditor, [ Creditor 's Name ], which specifies that disputes are to be resolved through arbitration. I have attached a copy of the relevant section from the original agreement for your reference. Thank you for your attention to this urgent matter. I look forward to receiving your prompt response and achieving a mutually satisfactory resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management continuously calls everyday! They make more than seven calls to me about a specific debt within a seven-day period from so many different numbers!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX today XX/XX/XXXX to purchase a car, but they did not approve me because of negative accounts (XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, U.S. DEPARTMENT OF EDUCATION XXXX, XXXX XXXX DEALER SERVICES XXXX ). My personal information birth certificate, driver 's license, and social security card were stolen on XX/XX/XXXX and someone has been opening accounts under my personal information. I did not authorize anyone to use my name and personal information to open these accounts. I did not receive any money, goods, services, or any other benefit as the results of these accounts being opened. I need these accounts blocked as they are a result of identity theft and they don't belong to me. I filed a police report with the XXXX XXXX Police and it's an ongoing investigation, no arrest has been made. I certify to the best of my knowledge, all the information is true and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refused to correct my physical address and add my mailing address. But keep multiple entries of my physical address. My dispute request regarding several accounts were also modified by Experian denying my ability to dispute. Ive provided Experian with supportive documents for my disputes.
Product: Student loan

I am a XXXX  currently. I will be until XXXX, XXXX which is when I graduate. Currently studentaid.gov shows I have an " Unsubsidized Loan - XXXX University '' with a " SCHEDULED REPAYMENT START DATE - XX/XX/XXXX ''. How can this be? After waiting 41 minutes on hold to speak to somebody at Student Aid, I was transferred over to Aidvantage at their XXXX number. It's been over 57 minutes now and nobody is picking it up. This is a complete waste of my time and shows a lack of respect for students.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> 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 : 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 of 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

payments were reduced, student loan is in forbearance. Please verify and delete it from my credit report. Government funded loans according to FCRA must not be reported. Please remove these trade lines US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX , US DEP ED XXXX , US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX , US DEP ED XXXX , US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX , US DEP ED XXXX , US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX , US DEP ED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 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 of 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 am a natural person, I am a living human being, and I have rights under 15 USC 1681. 
Equifax is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the account listed below to be removed because according to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 


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

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my credit file as soon as possible. 

XXXX  XXXX {$2000.00}
Product: Debt collection

Hewitt Capital is repeatedly calling my work despite being told I can not take personal phone calls and is a detriment to my job. This is the second time they have called me despite being told this. Just days ago I filed a complaint because this company is sharing my private and legal information with my fellow employees AFTER being told I can not take these calls at work.

These shady business practices are not only unethical but illegal and I will not put my job in jeopardy just to talk with them at work.
Product: Credit reporting or other personal consumer reports

XXXX open account with SeedFi I had on time payments never late paid off got back XXXX XXXX I look at my credit report now its saying SeedFi just put a negative remark onto my credit profile the XXXX XXXX, XXXX and XXXX said they dont understand this because it showing paid off never late .SeedFi told me to contact another company thats buying them out. I called the company. They said they dont have my file to take it up with SeedFi.
Product: Credit reporting or other personal consumer reports

I paid this balance in full in XX/XX/2023. I have asked the bureau to update the file four times now, and provided information from the creditor to show there is a XXXX balance. The company continues to confirm a balance that was from XXXX. They have done this each time.
Product: Prepaid card

On XX/XX/2023 someone compromised my information and withdrew money from my account. You can see in my account information that they tried several times, before they were able to withdraw money. I have been at that ATM the day before to withdraw money, so therefore I am sure my information was stolen from that ATM and they withdraw about {$600.00} from my account.
Product: Student loan

I am enrolled in auto debit on an income-based plan. My monthly payment should be automatically paid. I enrolled in classes. Despite asking them NOT to put my loans in deferment, they did anyway. Then, when I asked them to take them out of deferment, they gave me the option to do so in a way that would lead me to be overdue on payments or not overdue on payments. ( immediately or shorten ) I chose the later option. But, they instead ended the deferment immediately, and then reported my account as overdue and capitalized the interest due. 

They've sort of fixed it by taking the account to the present, but the interest has still be capitalized and I have still missed a payment in their records. And, they made me agree to a forbearance, which means that I agree to the capitalization of interest. But, this was the only way to avoid being marked as paying late.
Product: Debt collection

my mother moved in XXXX homes in XX/XX/XXXX or XX/XX/XXXX, she is a XXXX patient an at the time could n't stay alone so i moved with her pregnant and could n't work at the time i was told being over the age of XXXX i had to sign the lease as well, later in the months my mother told me to leave her home, after wards she moved out months later, me not knowing she owes anything, now i am trying to get an apartment but national credit is saying i owe as well as my mom XXXX dollars she is living on XXXX and cant afford the debit but its stopping me from getting an apartment because they keep denying my disputes and continuously applying it to my credit report i do n't know what to do about this i contacted the XXXX housing authority but they said they apartments were demolished years ago an they do n't keep those files any more its not them looking for those payments but the collection agency is please help
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Debt collection

According to the Fair Debit Collection Practices ACT ( FDCPA ) 15 U.S. Code1692c and 1692g, it is your legal obligation under federal law to verify all accounts reported to credit agencies by physically validating the original signed consumer contract. I am hereby requesting verifiable proof of the following information : XXXX. I am requesting a copy of the original consumer contract bearing my signature for the account listed below, stating that I guaranteed the payments of this debt for the original creditor. 
XXXX. Detailed payment history, including the last payment made to both your company and the original creditor. 
XXXX. Documentation of the assignment from the original creditor to your company, also bearing my signature. 
XXXX. Date opened and closed account status, and current balance owed to your company, accompanied by my signed agreement. 
XXXX. Acknowledgement and a copy of any insurance claims filed on this debt. 
XXXX. A copy of the written proof that you have the chain of title to collect on this debt from the original creditor. 
Failure to provide this requested documentation within the parameters of the law will result in the removal of the accounts in question from ALL reporting agencies, as stipulated by the FDCPA regarding unverifiable accounts. 
Removal if i am not provided with the requested information within 30 days
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion 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. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX  - Opened XX/XX/XXXX with a balance of {$0.00} account number XXXXXXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$1300.00} account number XXXX XXXX XXXX XXXX XXXX -Opened XX/XX/XXXX with a balance of {$0.00} account number XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1500.00} account number XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$860.00} account number XXXX There are fraudulent Inquiries that I do not recognize as reported which are : XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX - Inquired on XX/XX/XXXXXXXX XXXX XXXX - Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX - Inquired on XX/XX/XXXXXXXX XXXX XXXX  - Inquired on XX/XX/XXXXXXXX XXXX  - Inquired on XX/XX/XXXX XXXX  - Inquired on XX/XX/XXXXXXXX XXXX - Inquired on XXXX XXXX, XXXX XXXX - Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX - Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX - Inquired on XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX - Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXXXXXX XXXX - Inquired on XX/XX/XXXX XXXXXXXX XXXX  - Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  - Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXXXXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX - Inquired on XX/XX/XXXX XXXX - Inquired on XX/XX/XXXX There are addresses that I do not recognize as reported that need to be removed which are : XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX My ONLY address is : XXXX XXXX XXXX XXXX XXXX GA XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$540.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX   credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX 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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 


15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER A OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
Product: Mortgage

During my first attempt to refinance with with cash out from my current mortgage holder, my information was submitted incorrectly to underwriting. I did not have access to neither was I able to view/authorize any of the information submitted on my behalf. I have no idea if my application was submitted for a FHA or a Conventional loan. Upon being denied after a more than 30 day process, I questioned the submission of my application. A representative of the company mistakenly stated several things requested on my application that I did not request. When I began to question this incorrect, I was told he could n't speak with me any longer regarding my application. When I requested a copy of mu application I was told, an application was never submitted on my behalf. Additionally, I never received a good faith estimate ( GFE ). 
During my second refi attempt with the same company, the process was going smoothly and my existing loan was at the point of being verified and paid off. My information was submitted correctly this time around, however when I began questioning the incorrect processing of my initial refi attempt things took a turn for the worse and I was denied again. I am positive my income to debt ratio is more than qualified. They went to the extreme of telling me none of my income from my full time job would be accepted. 
I have all of this information documented through email exchange and will attach them to this complaint to explain what happened in detail.
Product: Credit card or prepaid card

I bought an electric bike in XX/XX/2018 from a local retailer that was financed through Comenity Bank, which issues XXXX XXXX-branded credit cards. The card was sold to me based on the promotional financing, which advertised 0 % interest for the first year, and then interest charged on any remaining balance after that promotional term. Instead, they charged me {$770.00} in back interest! The advertising for the promotional financing was misleading at best if not outright dishonest. XXXX refused to refund me any money and XXXX does not think there is anything to be done, either, but I absolutely can not afford this extra charge. 

I know that XXXX XXXX hates me and wants poor people to suffer, so I don't expect this complaint will go anywhere, but I believe, somewhere deep down, that someone over there will care. 

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

XXXX FAILED TO REMOVE ALL FRAUD ALERTS AND FREEZES AND UNLOCK MY CREDIT CREDIT.