23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I wrote to XXXX/XXXX in regards to them saying I owe them {$2000.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote XXXX/XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately.
Product: Vehicle loan or lease

I am a victim of predatory lending through Credit Acceptance Corporation I was talked into signing for a loan that could not be afforded with high interest rates
Product: Credit reporting

Numerous times this month, I have faxed my driver 's license, utility bill and Social Security Card to you without a response or correction to my credit report. XXXX Is my report number where XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX is my address. The other addresses do not belong to me. Please delete these addresses as they are hindering my ability to obtain credit. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you will investigate and have actions to verified these accounts. I am still disputting some accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. These are the accounts that continuing reporting on my file : DEPTEDXXXX XXXXXXXX BalanceOwed : $ XXXX How many times do I have to tell you that the references for the late payment on this account is erroneous and misleading causing negative impact on my Credit File ? I previously requested for the investigation and correction of this account and yet you have done nothing. DEPTEDXXXX XXXX Balance Owed : {$19000.00} - How many times do I have to tell you that the references for the late payment on this account is erroneous and misleading. XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} - This account is undoubtedly classified as a charged-off account ; could you please explain why there is a balance. XXXX XXXX Balance Owed : {$0.00} - Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. XXXX XXXX XXXX Balance Owed : {$5300.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be removed.XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5300.00} - The number of late payments isincorrect. I never missed a payment. Please adjust immediately. DEPTEDXXXXXXXX Balance Owed : {$23000.00} - Please take off the late things from this account because I think I made my payment on time. DEPTEDNELNET XXXX BalanceOwed : {$19000.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. XXXX XXXX Balance Owed : {$2400.00} - This charge off account is reported in violationof the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Please provide proof of the last payment. Otherwise, remove the account abruptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

Experian & XXXX continue to report incorrect information on my consumer report my name and address are listed incorrectly. My name is XXXX XXXX and my address is XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX to there should be no other names or addresses listed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only one out of 22 hard inquiries that i know are mine are the XXXX XXXX XXXX ones thats it ... they have already let my infromation get leaked now dont want to fix this issues ... also have not resposed over many times i have tired to get report on XXXX XXXX Needs removed
Product: Credit card

I currently have a Best Buy store credit card issued by CITI account ending in XXXX THis card has been upgraded per below I received an email today from CITI as follows : Best Buy Credit Services Best Buy Credit Services Security Zone : XXXX XXXX Online Activity Confirmation DEAR XXXX XXXX, This email confirms the following action completed at Account Online for your My Best Buy Visa Card account ending in XXXX. See detail ( s ) below : New Account Added to Account Online User ID : An additional account was added to your Account Online User ID : XXXX and is now available when you sign-on. 

Quality service and the security of your account are of great importance to us. If any of the above information is inaccurate, please contact us immediately at XXXX ( TTY : We accept XXXX or other XXXX XXXX ). 

Please visit us anytime at XXXX to review your recent account activity or update your account information. 

We appreciate the opportunity to serve you. 

Sincerely, Customer Service Note : If you performed multiple activities at Account Online within the past 48 hours, you may receive separate confirmation emails. 

My Best Buy Card was a Store card and CITI converted the store card to a XXXX  card without my consent and moved my small balance to the XXXX  card. 
When i called customer service and told them i did not authorize this change they told me it was to late to cancel. They also told me that I was one of the select few customers to receive an automatic upgrade to a XXXX  card from my store card. 
When I told them I do not want the XXXX  card, they told me i would have to pay off the balance and close the account. 

They also told me that i received a previous email about upgrading and since i did not respond to the email they upgraded me automatically. I do not recall any such email but I do delete what looks like junk or suspicious emails from my email box regularly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is loaded with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting. Please remedy the situation immediately Non-compliance with regulations and the law is never acceptable. Consumer law requires to make sure that all claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements. I am requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please open my credit file and report my credit correctly. I have sent multiple letters asking you to please open my credit file and report my credit score as of XX/XX/2023. 
It is a crime to threaten a lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent ( NUMBER OF LETTERS ) previous letters to you, all by certified mail ( receipts enclosed ) requesting that you open my credit file and report my credit information correctly. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 



If this final request does not prompt you to conduct a proper investigation of these accounts in question and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very seriously and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 
Lastly, you have XXXX days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 


I await your response.
Product: Debt collection

I was contacted by the mail that Credence was trying to collect a debt on behalf of XXXX. The company Credence offered me a settlement. But, before I could accept. They put thw debt onto my credit. I paid the collections with Credence, and was told that theyd have the debt deleted once the check cleared. That was back in the begging of XX/XX/2024. 

As of today, the full collections account is still showing on my credit report. Although Ive paid them in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$3400.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$27.00}, XXXX OF XXXX XX/XX/XXXX
Product: Credit card

I have XXXX cards from Capital One, this bank has the audacity to levy an interest rate increase and begin to charge an annual membership fee at their will. When I first received the credit card there was no stipulation on interest rate increase and membership fee. If you review my statements you will notice when cards was first issued there was no increase in APR and no membership fee. My credit is very good and I have repeatedly emphasized this to Capital One Bank- my credit worthiness is acceptable. I have contacted Capital One- their reply is Not reasonable and has no sense. 
I had the opportunity to combine my credit card and each attempt was denied I did asked the customer representative if I qualified and was told several time that I was, these events are recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Lending Tree pulled my credit without my permission. I never requested any information from them. I never gave them my social security number. I simply clicked on an advertisement and they automatically stole my info and sold it to other companies.
Product: Mortgage

I lost my home back in XXXX to foreclosure after being underemployed. I worked very hard to receive assistance with a loan modification through Wells Fargo Home Mortgage and I was unsuccessful. I gave them every piece of paperwork they requested and still received no help. I now have a {$120000.00} balance on my credit report. I do n't feel I was given a fair chance to catch up payments/loan modification which resulted in me loosing my very first house ( purchased in XXXX ).
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for their refusal to provide any proof of debt validation and failure to remove old, incorrect accounts from my credit report. These ongoing issues have significantly impacted my credit score and caused undue stress and financial hardship. 

Despite numerous requests, Experian has not provided any evidence to validate certain debts appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and to request validation of the debts in question. However, Experian has repeatedly failed to fulfill this obligation. 

In addition to their failure to validate debts, Experian has also refused to remove outdated and incorrect accounts from my report. These accounts are not only inaccurately reported but are also beyond the statute of limitations, yet they continue to negatively impact my credit score. Despite providing Experian with documentation proving these inaccuracies, they have taken no corrective action. 

As a result of Experians negligence and lack of compliance with federal regulations, my Experian credit score is currently XXXX points lower than the scores reported by the other two major credit bureaus, XXXX and XXXX. This discrepancy is unjustifiable and has severely limited my ability to obtain credit at fair terms. 

I am requesting the CFPB to take immediate action to investigate Experians practices, ensure compliance with the FCRA, and enforce the removal of inaccurate and unverified information from my credit report. I also urge the CFPB to hold Experian accountable for their failure to provide adequate responses to my disputes and to prevent further harm to consumers like myself. 

Thank you for your attention to this matter. 

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

I reached out to all three ( 3 ) credit bureaus Experian, XXXX and XXXX ragarding two ( 2 ) accounts reporting delinquent and derogatory on my credit file. The creditor is XXXX XXXX XXXX XXXX. I dont owe XXXX  XXXX XXXX XXXX XXXX money I have a {$0.00} balance with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( representative there XXXX XXXX promised me that both negative reporting account from XXXX XXXX XXXX XXXX would show an update to {$0.00} and they would request each credit bureau to remove both accounts from my credit file and it has not been done by Experian, XXXX and XXXX. Each bureau is still showing I have a balance and I dont I paid both accounts off in full. I understand that each credit bureau is getting paid to report negative items which is unlawful. I want both of these items XXXX off and removed from all my credit file immediately. If accounts are not removed I will be contacting and attorney for XXXX XXXX XXXX XXXX and their negligence and each credit bureau.
Product: Vehicle loan or lease

I have been having issues with Ally Financial for months. My mother was gracious enough to help me purchase a vehicle. in XX/XX/XXXX. I had a financial hardship and i was unable to make my first payment and then found out i was about to be suspended from work. In XXXX, I called to see if i can get some type of extension. I spoke to 3 different people. i asked the first representative if i could make bi weekly payments based on my pay schedule to avoid these issues. i was told no and that i would be charged a late fee every time i paid. the second representative i spoke i told them about my suspension and what my hardship was, she kept twisting my story and saying that i was fired which was incorrect. another gentleman i spoke with was rude and stated well were taking your car and itll be repossessed. not even trying to understand my situation or assist me. since then ive spoken to nothing but rude ans disrespectful agents and they have tried to charge my bank account multiple time with a result in high fees. i spoke to a lady last week who again had a snappy attitude stating how much i had to pay and gave me the incorrect information for payment through XXXX XXXX. so when i finally got a full paycheck when i got back to work this past week i called on friday 3 different numbers up to 12 times and was hung up on at least 5-6 times. i then received a collection call ON A SUNDAY. So monday i spoke with a lady who was nice and i told her i placed the payment in the mail. She said she would notate my account and said she would not remove the repossession because i am now 1 month behind. she said once i pay the amount of {$510.00} and i call and let them know and she will close the account. and once the payment i mailed out comes through she will add it to the account later on but i would be okay because then i would only have XXXX to pay. on tuesday, XX/XX/XXXX at XXXX a tow truck snuck into my moms development and took the car out of the driveway. I called ally financial monday morning and the refused to give me the information about where my car is and told me i had to wait until thursday to call and ask for it. i asked could i dispute the repossession and was transferred to the Worst supervisor i have ever dealt with in my life. told me stop interrupting him. i told him i was given incorrect information, and was talking to me like i am a child which i am not one. and then began to speak to me as if i am illiterate or slow. and when i asked him for the information for my car he said no, you can call back on thursday. 


I understand that i am at fault for my payments being behind but i am doing the best i can. i am partially homeless, i have XXXX XXXX  and i need my car. i have explained my situation over and over and they just have been the worst to deal with. I am not sure what filing this will do but if i could get some type if help dealing with this i would be so grateful and appreciative.
Product: Credit reporting or other personal consumer reports

Credit Inquiries I don't recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My phone number was XXXX swapped in the early morning of XX/XX/XXXX. The criminals used the stolen phone number to reset my bio authentication and transferred money through XXXX XXXX. Due to my XXXX, it was difficult for me to act quickly. On the XXXX, I was unable to verify my identity over the phone, so I couldn't lock my account in time. On the XXXX, I went to the bank with my ID. At that time, the bank showed that the suspicious transactions were still pending, and the banker helped me get the money back and opened a new account for me. Later, the statement showed that on the XXXX XXXXXXXX withdrew the previously frozen funds from my new account, and the bank lent me the same amount of money to compensate me. Now, three months later, they are asking to take back this money, claiming that there is no proof that the stolen funds were operated by someone else.and i got the police report about the stolen account
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the BureauXXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$5400.00}
Product: Debt collection

XXXX Accounts appeared on my report today from this company that I 've never seen reporting before and from the looks of it they are pretty old. I 've never received anything that could possibly validate this even belonging to me. 

XXXX {$32.00} & XXXX {$25.00} a piece.
Product: Credit card or prepaid card

I purchase d an American Express Gift c ard on  XXXX   XXXX ,    2017  ... in the amount of  XXXX . My daughter lost the card, on the  XXXX  of  XXXX . I immediately called on the  XXXX  to have it deactivated. On the  XXXX  of  XXXX  ... I faxed over documents such as, my drivers license and the original receipt of purchase to the company, so that I could get a replacement card ... . XXXX   XXXX  ... a letter was mailed by the company to my physical address stating that the items sent by  XXXX  were n't clear ... .I complied by sending in another set of documents  XXXX   XXXX , Just to be told by  one  of there reps ... ..the documents I sent in a second time were also blurry. The information sent in was to verify my physical address ... However, the company should n't need anymore proof of residency, if I responded to the letter mailed by there company to my physical address via phone call/ fax. I feel my giftcard should 've been replaced immediately. I feel as if, I 'm being given a run around. I really want to file a class action suit on behalf of any consumers, who have been ripped off by there company.