23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

His Name is XXXX. His direct number is XXXX. XXXX, TX. 
He has called me on several occasions. over 40. He has called and threatened my Social Security, My husbands SSI and Pension. He tells me what a terrible person I am. and how can I afford anything I have like a phone and not pay them. Now, he is calling on my phone but when I look it is my daughter 's number. It looks like my daughter is calling me and when I pick up he say 's " Hello. How's it going? I can still get you ''. 
I am being stalked by this man in Texas. He is scaring me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the company to do what is fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is ignoring my rights are consumer. I sent disputes due to inaccurate informations and i have no received any updates.
Product: Credit reporting or other personal consumer reports

I recently tried to apply for a home and was denied, after obtaining a copy of my credit report there are some major issues that need to be addressed. I found the following accounts to be in error : 1.Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX Account Number : XXXX Please Delete Immediately 2. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX Account Number : XXXX Please Delete Immediately 3. 15 U.S. Code 1681 ( a ) ( 4 ) Consumer Right to Privacy XXXX Account Number : XXXX Please Delete Immediately 4. Under 15 U.S. Code XXXX - Obligations with respect to disclosures of personal information XXXX Account Number : XXXX Please Delete Immediately 5. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX Account Number : XXXX Please Delete Immediately
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX, XXXX  my PayPal account was hacked into and an unauthorized transfer of over XXXX XXXX  was made via family and friends to XXXX. I wish to state for the record that XXXX is not my family or friends. The transaction receipts state that the funds will be made available on the XXXX of XXXX. Kindly block the transfer and do not honor. XXXX is contacting me by email as a scammer and I believe that he has hacked my computer. I did not purchase anything from him, nor did he provide any value to warrant the payment of XXXX XXXX or any amount from my account. I am a XXXX and vulnerable person and need the funds for my medical support. I do not approve of any transfer of XXXX XXXX  to XXXX or any amount to the scammer and this serves as a legal notice to recall the funds immediately. if you need any further information to facilitate the investigation please let me know. 



XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a text message from Discover Card, asking if I had recently made a {$1.00} charge at a XXXX station. Since I mad no such charge, I immediately called Discovers Fraud Department to inform them that no such charge was made by me. During the conversation, eight fraudulent charges totaling {$400.00} were identified. The representative stated that my card would be canceled to prevent further fraudulent charges and a new card would issued. Additionally, the representative stated that I would not be liable for the fraudulent charges and they would be removed from my account.

During my online review of current activity for my account, I noticed that Discover had reposted these fraudulent transactions to my account. On XX/XX/XXXX, I called Discovers Customer Service Department, asking why the fraudulent charges were transferred to the new account. The representative stated that the error would be corrected and the fraudulent charges would be removed within the next few business days. On XX/XX/XXXX, I received two emails from Discover Customer Service, stating that the dispute had been resolved in my favor. On XX/XX/XXXX, I received an additional five emails, stating that the dispute had been resolved in my favor. On XX/XX/XXXX, I once again checked online to see if the fraudulent charges had been removed. Once again, the fraudulent charges were still on my account! I sent a secured email through Discovers website, asking why these fraudulent charges had not been removed from my account. On XX/XX/XXXX,  all I received from Discover was a canned response thanking me for my letter and asking me to call a security specialist at another number for assistance. 

Given that Ive already received the runaround from Discover THREE times, I have no intention of going through this nonsense for a fourth time and am now contacting the CFPB for assistance and resolution since Discover has proven their incompetence in properly resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$24000.00}
Product: Credit reporting or other personal consumer reports

Hey, I was viewing my credit report and noticed that my personal information is incorrect. I would like to correct this information. 

NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PHONE NUMBER : XXXX DATE OF BIRTH : XX/XX/year>
Product: Credit reporting or other personal consumer reports

Experian first off lied about getting in touch with the third party entity the company said it was XXXX XXXX I disputed the public records with them they allege they contacted XXXX XXXX and the did verification come to fing out because Experian told me verbally who it was but I called and the company stated Experian never reach out to them in months and that they will do XXXX investigation with experian because they can not XXXX on the past each time a person dispute something XXXX XXXX particular date tgat makes a difference not past Experian never contacted XXXX XXXX at all in the more recent disputes I have done
Product: Debt collection

On XXXX XXXX I was served a Civil warranty stated I old a debt of XXXX Pay to XXXX XXXX XXXX XXXX company I requested for validation letter proof of the debt and the origial contract my My identity Was stolen I don't have no knowledge of this debt.
Product: Debt collection

I have requested a full validation of debt. I asked for a signed copy of an agreement with this collection agency. I have asked for proof that the debt was not written off by the original company. I have asked for how much they purchased the account for. I have asked for proof that of all of this. I have added a copy of my Validation letter to this file. They continue to just send copies of the bills, with my name added to them They continue to send the contract with XXXX XXXX, but not one that I have with them. I am going to take all these bills that they send with my name added and change it to their name. I have no debt with this company. I have no contract with this company.
Product: Debt collection

My daughter XXXX XXXX XXXX ) and I ( XXXX XXXX ) applied to rent an apartment with XXXX XXXX XXXX XXXX in XX/XX/year>. We did not complete the application, as it was a nightmare and no help from staff. I filed a complaint with XXXX XXXX, and requested by email that the {$650.00} application fee be refunded. The XXXX stated she would send in the request for the refund and would CANCEL the application. We received a check from the XXXX XXXX XXXX for {$650.00}. I deposited the check into my bank account, and in XXXX days the check FROM XXXX XXXX had a STOP PAYMENT put on it, and the amount was taken BACK OUT of my checking account. I contacted my credit card company used for the application fee, and filed a dispute for the {$650.00}. They investigated and I received {$650.00} on my credit card within 30 days. Then we both received a letter from XXXX XXXX XXXX stating that we owed the {$650.00} XXXX an {$200.00} additional for NSF, total {$850.00}. XXXX XXXX took back the money - I did not have NSF in my bank account to cover any check as I did not write a check TO THEM! I sent ALL the documentation and XXXX XXXX email info to XXXX XXXX XXXX, and they replied that they found in XXXX XXXX 's favor, and that we still owed them {$850.00}. I sent XXXX more documentation, and they sent another letter stating that we still owed them {$850.00}. Both our credit scores have gone down with all XXXX credit bureaus. I am uploading a letter describing all the information in more detail and also uploading additional documentation. XXXX XXXX XXXX has an " XXXX  '' rating with the XXXX XXXX XXXX for attempting to collect money for company 's falsely stating money is owed by customers. Even after all the documentation is sent to them to show that we do not owe the money, their investigations still side with the apartment companies.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written, unwritten, verbal, and nonverbal per 15 USC 6802. Opting out of reporting for accounts XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Checking or savings account

I was charged XXXX XXXX DOLLARS for overdraft fees in the last XXXX hours. This is outrageous, cruel, unusual, and insane. I demand these be reversed so that I can bring the actual negative balance of {$54.00} back to zero so I can close the account.
Product: Payday loan, title loan, personal loan, or advance loan

I have had to take a loan through credit fresh because I fell on hard times and needed the money. Well Ive been paying on the account for well over a year at this rate. It seems like the balance has never gone under the XXXX  its at, if anything it just constantly goes up on its own. My payments were roughly XXXX every XXXX weeks for awhile. Then just recently they were so nice to introduce this new program called the credit evolution program my payment was supposed to go down to XXXX dollars every XXXX weeks. It did for all of about XXXX or XXXX payments. Since then it has done nothing but go up even higher than my original XXXX. My next payment is set to be XXXX dollars. My balance is clearly under the XXXX dollar limit for a lower payment. Ive tried contacting them about this issue before and they were no help. Claiming things such as thats just how the cycle charges work. When I go to their website to try and get my account statements they will not display. Almost as if the link is broken and there is no other area or option on the website to get them from. This lender is very predatory and unclear with how they do things. The fact that they are able to get away with just changing peoples payments on a whim is beyond me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion without my knowledge and consent removed or deleted my XXXX ( XXXX ) account from my credit report that was in good standing. This has hurt my Average Age and credit history length. That account # XXXX i did not give permission for Transunion to do this change. I also called about this several months ago, That account # XXXX needs to be placed back on my report. Transunion has been mixing up my credit file with others, deleting accurate things that shouldn't be deleted, adding names and addresses to my account that doesn't belong to me, providing me with inaccurate information when i call, then when i ask to speak with a supervisor the employee hangs up. 

i'm asking for this XXXX ( XXXX  ) account # XXXX to be re added back to my account, i did not dispute this account or delete it. This account was in good standing.
Product: Debt collection

Remove these fraudulent items from my credit report immediately, as required by law under FCRA 605B. Failure to comply will lead to legal action, and my attorney is ready to take necessary steps to hold you accountable for noncompliance. This is your final warning. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} and XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}.
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed Immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

2015 I set up a way to make low monthly payments to have my student loans paid off. I then joined the military and my time away temporarily delayed my payment process meaning I wasnt eligible to receive any student aid. I was told there was deferment options for military members but that didnt apply to me because my loan had gone into deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told these credit card application would be soft inquiries and would not show up on my credit report. In addition, I went to purchase a vechilce and only gave authorization for one inquiry. The dealerahip sent it to various bank without conset. Please delete this unauthhorized inquiries from my credit report. 

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
Product: Credit reporting

the refuse to continue to investigate my dispute. I have requested them to provide me with the individual who validated or denied my request along with evidence to support my dispute. I have attached a copy of the last letter I sent with todays date on it.
Product: Debt collection

I currently have XXXX XXXX XXXX as my cell phone provider. I have had them for almost 3 years, prior to that I had them for 4 years, with a separation of service from XX/XX/XXXX to XX/XX/XXXX. There is a debt collection for {$95.00} on my credit report. There was never a debt owed to XXXX XXXX XXXX. I have disputed this collection last year with a different collection agency with documentation that there was no debt to be collected. This was on my XXXX XXXX credit report. Now it is on my XXXX  Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to respond to my repeated attempts to remove a fraudulent account that was placed by XXXX XXXX. I have called numerous times, mailed, and disputed online and they still have not removed the account even though XXXX/XXXX confirmed it was fraudulent. Since I did not authorize these companies to obtain my credit report I demand that these unauthorized inquiries and XXXX account be removed immediately and my credit score be adjusted accordingly. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.
Product: Checking or savings account

I took my cousin ( as I always did and her caregiver to State Bank of XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX. I am the XXXX  of my cousin 's assets. My cousin went because the notice said her CD had matured. The caregiver and I were put in an office with the door closed for confidentiality reasons. NO transactions took place. No money exchanged hands due to the maturity date of the CD was incorrect. The bank reported us ( caregiver and myself ) to the XXXX XXXX XXXX to investigate XXXX XXXX. We no longer have access to the information due to termination.
Product: Credit card

Please review the attached documents. I am urging the bureau to initiate an investigation into these accounts, as they are erroneously reporting me as late despite my punctuality.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I sent a dispute letter on inaccurate and unknown accounts on my credit report. It's been over 60 days and XXXX, Equifax, and XXXX  did not respond. I feel like I'm being ignored of my disputes. According to 611 ( a ) says failure to investigate these items 30 days they should delete immediately. It has been over 60 days. I demand these accounts to be deleted or will file for litigation due to the anxiety you caused me. My information was impacted by the Equifax breach and may have gotten in the hands of the wrong person
Product: Credit reporting or other personal consumer reports

My Experian credit report contains errors that should never have been reported in the first place, and I find this completely unacceptable. The presence of these inaccuracies raises serious concerns about the reliability of Experians reporting system. These mistakes are directly affecting my financial stability, and I refuse to let them go unchallenged. 

As a consumer, I have a legal right to a credit report free from false or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be accurate, and any errors must be corrected immediately. I am demanding a thorough investigation into these discrepancies and expect immediate corrective action. Delays will not be tolerated. 

Bankruptcy XXXX  XXXXdischarged - XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Debt included in or discharged through Bankruptcy XXXX  XXXX, XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX - Debt included in or discharged through Bankruptcy XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX hired the Leviton Law Firm to contact us regarding a large bill that has been in dispute since XXXX, 2015. XXXX has not made any attempt to work with me to get the billing corrected. Today we received the following first contact email from XXXX XXXX, Sr Acct Exec from Leviton : In the event there is litigation, our client will attempt to recover not only the full amount of the account, but also, if applicable, all accrued interest, applicable court costs, attorneys ' fees, and other expenses, including but not limited to deposition costs and citation fees. We also feel obligated to advise you that, in the event a judgment is awarded in our client 's favor, our client would look for evidence that would pierce your corporate entity veil, and enter litigation against you personally and all other potential principals, successors and affiliates. In doing so, our client would look at the comingling of the business assets with those of the individual principals. Additionally, our client would examine the reality of the corporate existence as evidenced by the keeping of minutes and other corporate records. Our client would explore the possibility of an obvious inadequacy of working capital, and would also determine the number of non-functioning officers and/or directors. The possibility of non-payments of dividends would be investigated, possibly coupled with payment of substantial salaries or other forms of payments to dominant shareholders. Our client would also look at all of your expenses to determine if your business was paying your personal expenses, such as excessive meals, travel, cell phone bills and automobile expenses and the legitimacy of employment of family members. Our client will seek Attorneys ' Fees against you for having to engage in any post judgment proceedings. 

In the event a judgment is entered against you, our client will engage in every method of post judgment remedies to recover the amounts owed. This will include, but not be limited to, the freezing of accounts, debtor examinations, levying against your real and personal property, and filing citations against any and all parties you transact business with. Our client will trace funds and if our client finds that you have transferred assets in violation of Fraudulent Conveyances Act, it will seek to have these assets re-conveyed to you and sold to satisfy the judgment. If you are directly involved in another business which is not in your name, our client will investigate the business thoroughly and seek to have the business re-titles in your name and sold to satisfy the judgment. Our client will record a Memorandum of Judgment against you and it will negatively affect your credit, making it more expensive and difficult for you to borrow money. 

I perceive this has a direct threat without the company knowing what issues we have had with XXXX. It is a direct threat to the owners themselves, professional and personally and is against the CFPB laws.
Product: Credit reporting or other personal consumer reports

See attached documents, the personal information you are reporting are not mine.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Debt collection

I recently lived in an apartment complex where Id signed a 6 month lease. I paid all 6 months up front. At the end of my lease I turned in the keys and moved out and all was well. A month after moving out I received a letter from IQ Data international saying I owed the apartment complex money. The letter from IQ said to write them in 30 days to dispute the debt and request validation. I did just that and sent them mail overnight to ensure it got there before the 30 day mark. A month went by and I never heard from them. All of a sudden I get a notice that a collection had been added to my credit report. It was from IQ data international. I wrote them again and called them asking for validation of the debt. Over the phone they told me they dont send anything in the mail, despite the fact that I got their contact info from something they sent me in the mail. I asked both over the phone and once again in writing for a validation of the debt and they have still not provided that information to me. I have disputed it with the credit bureaus and they seem to have no trouble communicating with them, but they have made no effort to try to validate this debt with me or allow me to dispute it or verify it. 
This is against the law.