23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I disputed my account with PRA, and verified that the debt was from XXXX XXXX. The reason for the dispute was that I have had XXXX accounts with the original creditor since this account and did n't know that the debt had been sold. Once verified, I contact the company to try and settle the debt. 

First, I was told that I could pay for the deletion of the trade from my credit report. I told the representative that I would call back to make the payment and fulfill this agreement. 

Next, I called to settle the balance and was told that " they did not do pay for deletes '' which was the complete opposite from the understanding that I had. 

I was told that I needed to contact the original creditor to have this deleted -- very confusing. I called the original creditor, XXXX XXXX, and they said the debt had been sold to PRA, they had no control over the reporting, and were not sure why I was told to contact them. 

I called back, got another representative and she told me that I needed to pay the balance, and then contact the credit reporting agencies to have it removed. Again -- very confusing and false information. Once she 's caught herself on what she had said, she put me on hold. 

A manager ( who started off very polite ) then gets on the phone and tells me that " they just had a meeting yesterday, and no collections agency is allowed to remove information from an account now. '' -- once again, FALSE, and fabricated. 

She said that PRA was not even concerned about receiving the full amount. They just wanted a portion, so that it could be marked as paid, then begins to offer me {$20.00}, {$30.00}, {$40.00} off of the balance. I told her that the amount was not an issue -- I just wanted the trade deleted as promised, upon full payment. She then proceeds to offer me {$90.00} off. No thank you. 

I told her that I would contact the CRA 's as her employee instructed, and that I would get back with them. She then proceeded in a demanding, condescending and very abusive tone to tell me that I needed to accept their offer and that the credit reporting agencies would be able to do nothing to help my situation and that she had been working at PRA for 6 years and proceeded to tell me " exactly what they were going to tell me. It almost felt like she was trying to make a sale. 

Still, I got nowhere on the initial agreement to have this account deleted upon full payment.
Product: Student loan

I have been on an income contingent repayment plan for the last several years, through Navient. XX/XX/XXXX, I applied for XXXX and was told my loans would need to be consolidated for this to occur and that during this process my loans would need to be put into deferment/forbearance for XX/XX/XXXX & XX/XX/XXXX. I asked at that point what my estimated repayment would be and was told they could not tell me. Also, I explicitly asked if my student loans would be accruing interest during this time as I owe more than XXXX and would like to keep the principal down by paying the interest. I was informed that my loans would NOT accrue interest and that the REPAY process would be completed in XX/XX/XXXX. To date my loans have accrued an additional {$2000.00} in interest and today when trying to find information on their website I discovered my new payment will be nearly double what my previous payment amount! It appears that they have set my loans to not be repaid until XX/XX/XXXX meaning that I am currently I am unable to do anything with my loans, including choosing a repayment plan that I am able to afford.
Product: Credit reporting or other personal consumer reports

DeaXXXX XXXX or XXXX : I am a victim of the XXXX XXXX breach from 2019 & identity theft. The information listed below, which appears on my credit report, and is the result of identity theft. 

Please delete these addresses, they are not mine. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, which upon receipt of this CFPB Complaint gives Experian XXXX days to block these fraudulent inaccurate addresses from my credit report which they maintain under my Social Security Number and send the required notifications to all furnishers of this information. 

I am also invoking FCRA 611 ( 15 U.S.C. 1681I ) which forces the said ( CREDIT BUREAU ) to reinvestigate the items in the initial CFPB complaint and either verify the SOURCE of information they used in order to return a verified response to the initial CFPB complaint filed at each bureau or delete all contested items in the initial CFPB complaint from the XXXX report they maintain. 

Please delete these addresses, they are not mine. 


Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

I am invoking FCRA 611 ( 15 U.S.C. 1681I ) which forces the said ( CREDIT BUREAU ) to reinvestigate the items in the initial CFPB complaint and either verify the SOURCE of information they used in order to return a verified response to the initial CFPB complaint filed at each bureau or delete all contested items in the initial CFPB complaint from the XXXX report they maintain.
Product: Vehicle loan or lease

I had a auto loan with Bridgecrest credit from XXXX XXXX Tx that I had started on XX/XX/XXXX for a XXXX XXXX XXXX. I had faithfully paid on time and never missed a payment on that loan and even for a short time after paid it until I was involved in a high speed accident with the car on XX/XX/XXXX a young gentleman ran a red light speeding and side impacted the vehicle. Once it was deemed a total loss I was told by my insurance company XXXX XXXX  the car was no longer repairable and I had signed over a power of attorney for the ownership and loan of that vehicle to be paid in its entirety by XXXX XXXX XXXX and I also had purchased GAP insurance thru XXXX XXXX for the vehicle. I was no longer responsible for the vehicle or its loan and I had notified Bridgecrest of the situation in which they still held me liable for. My insurance company XXXX XXXX and XXXX XXXX both stalled on payments for the vehicle and incurred a 30 and 60 day late payment filed directly onto my credit report. I once again asked bridgecrest to please help me with this situation as I no longer owned that vehicle. They refused to help and insisted I still pay for a vehicle I legally no longer owned even though they knew my insurance companies were in the process of payments in full to the Bridgecrest institution. I had done everything legally by the number and was still punished and as of XX/XX/XXXX my credit report on all 3 credit bureaus is still showing a XXXX Dollar amount owned with both a 30 and 60 day late payment report. This has ruined my chances of obtaining another car loan or any loan for many years to come. Bridgecrest is a creditor I highly recommend staying away as far as possible from.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with 3 credit bureaus and the information is not correct. I asked them to remove this account due to no debt validation and it has not happened. It comes back as verifired when it really according to law was not. According to 2 credit bureaus it is showing as a closed date of XXXX but openedXX/XX/XXXX. How is it possible to be opened in year and closed 2 years in the past. Information is not correct and it was removed from one report and added back without letting me know that it would be.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act Transunion is violating my rights I have tried to reason with them to remove the following inquiries removed according to the law Section 604 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 on XX/XX/XXXXXXXX  under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2100.00} 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 FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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, credit repair services, or other personal consumer reports

On XXXX I submitted an application for an apartment. Appfolio was the company used to obtain the report. The report listed my credit score as a XXXX from XXXX. I used XXXX credit monitoring services, my score is listed as a XXXX. Additionally the report listed no rental history. I reached out to XXXX first, they explained that the criteria for the loan, lease, rental is different and that would impact the score. If my score is based on credit then those two numbers should be fairly the same not a XXXX point difference. I contacted Appfiolio regarding the rental history, and the stated they requested the data from XXXX Rent bureau and does not compile any of the data. The Bureau stated that property managers are not required to report data to them if there's data they will report it. I believe an injustice is being done here if places I rented with aren't reporting my rental history is okay for XXXX rent bureau to negatively impact my rental score. I can not control what owner and property managers do, but I'm been held accountable for it and its affecting my ability to obtain a new lease. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681i ( 5 ) The reseller determined that the item of the information is incomplete or in accurate as a result of an act or omission of the reseller, not later than 20 days. 

Remove late payments XXXX  XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has a charge off account of XXXX this is not my account it was open fraudulent under my name an it should be removed it's not my account it's fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute many objects on my XXXX and equifax report. XXXX is always rude when I call. They will not delete anything. I sent in the documents that is paid to delete and they are still there such as XXXX XXXX. I have all these unknown inquiries and they tell me it is not their issue. Instead of my credit report getting better with XXXX it is getting worse. I am not sure if the companies is reporting things correctly or how XXXX is recording my data but it is not correct. It makes an adult like myself want to give up on trying to fix my credit. My credit is progressing with other bureaus but XXXX, it is rapidly declining. I am not sure what else to do.
Product: Credit reporting or other personal consumer reports

I have written the 3 bureaus to investigate and remove XXXX XXXX XXXX XXXX XXXX XXXX from my credit file, I never gave them written permission to furnish this information on my credit report. 

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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. 
I am requesting the following specific information related to your investigation : Proof of Investigation : Please provide documentation or records showing the steps taken during the investigation process to validate the accuracy of this account. 
Parties Investigated : Please specify the entities or individuals that were investigated in connection with this account, including the creditor and any other relevant parties. 
Investigation Timeline : Provide a detailed timeline of when the investigation was initiated, conducted, and concluded. 
It is essential for me to have access to this information to ensure that the reporting of this account on my credit report is accurate and complies with the Fair Credit Reporting Act ( FCRA ). 
I understand that you have a legal obligation to respond to this request within 30 days of receipt, as per the FCRA. If you can not provide the requested documentation within this timeframe or if you find that the account is not verifiable, I request that you delete the account from my credit report immediately. 
I appreciate your prompt attention to this matter and your compliance with the provisions of the FCRA.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote diversified consultants asking for proof of a contact signed or anything with my signature agreeing gon na be a contract with XXXX they have been reporting false information on my report never have I had XXXX on XX/XX/XXXX I received a package of bills from diversified showing XXXX bills with my name but not my address or phone number
Product: Student loan

I have a federal student loan and there is supposed to be a zero percent interest rate effective XX/XX/XXXX. However, my monthly payment on their website is still reflecting an interest rate factored into the principal. I have been holding off on making the full monthly payment waiting on Navient to reflect the correct amount. I am relying on this zero percent interest because my income went down due to COVID-19. The lack of their compliance with the new federal regulation will set me up for default.
Product: Debt collection

Upon requesting debt validation for two different accounts BC Service has reported through XXXX, they responded with detailed medical records without providing release forms, a DIRECT violation of HIPPA regulations. Not only did these documents contain procedures and/or medication recieved it also contained my social security number with NO security measures. I NEVER signs a HIPPA forms authorizing access to any such medical records.
Product: Credit card

I was a care credit consumer which got a credit card for my dental work. I was misled about the terms and just found out that they may have tried to contact me to no avail for the lawsuit. I paid thousands.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The signature loan I owed was charged off and sold to The best Service Company. After receiving letter of debt from this debt company, I called them to make a settlement. They stated they were representing the original lender to collect the funds and the original lender does not except settlements. I then contacted the original lender to verify if they were being represented by The Best Service Company, in which they denied that information, stating the debt I owed was charged off, and they have nothing to do with the debt at this point. They also mentioned the best Service Company has been known to except settlement offers.I relayed that information to The Best Service Company, but they continued to lie about being the 3rd party representative for the original lender, stating the original lender being represented does not except settlement offers.
Product: Money transfer, virtual currency, or money service

I paid for concert tickets and did not receive them and then the seller blocked my number. Zelle nor XXXX XXXX XXXXXXXX helped me. I am writing to formally raise my concerns about Zelle 's approach to dispute resolution, especially in light of the recent CFPB lawsuit, which underscores serious shortcomings with the platform. As a regular Zelle user, I have reported discrepancies, yet both Zelle and my financial institution failed to conduct a thorough investigation into my claims. I was told that recovering lost funds was not possible and that tracking these transactions was impractical. The CFPB 's findings reveal that Zelle has not only failed to safeguard consumers but has also enabled repeat offenders to exploit the system, leaving users exposed to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to submit an electronic request for a credit freeze with Equifax without first agreeing to their terms of service, which include, among other things, a provision that allows them to sell my personal information and allows them to change the terms of service whenever they choose.
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. I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Debt collection

XX/XX/2020 Fake amount of money {$840.00} XXXX XXXX XXXX XXXX PO Box XXXX XXXX, FL XXXX Fake Account Number Itemized Bill Fake bill Contacted XXXX XXXX XXXX, a fake bill collector. They claimed they are a 3rd party debt collector, but they are not. They could not give me an original debt collector number or address. They are completely lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

All personal and credit reports added to my account are incorrect and needs to be taken off my credit report and payments over seven years old, also need to be taken off my record, all those addresses that were added to my account are incorrect, I never lived in Texas, please correct, I dispute all information needs to be taken off my record
Product: Credit reporting, credit repair services, or other personal consumer reports

For several years I have been a victim of fraudulent accounts and inaccurate reporting. 
XXXX XXXX XXXX  continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, they have never provided me any service, they have never provided me any product and I don't know who they are. I have made several attempts to contact them they failed to disclose an agreement exist or reply. 

I wrote to them on XX/XX/2022 and sent a follow-up correspondence XX/XX/2022 and another one XX/XX/2022 and still have not heard anything. 

within the Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act. my privacy and confidentiality is at stake because of this false reporting. 

IN REGARDS TO XXXX XXXX XXXX under 15 U.S.C 1681 section 602 A. 
according to this section my rights of privacy are recognized. 

under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. 
XXXX XXXXXXXX XXXX never had any instructions from me. 

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization form the agency to provide such report. 
I never authorized XXXX XXXX XXXX to make such reports. 


15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported By XXXX XXXX XXXX 


I NEED THIS ACCOUNT DELETED