23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I had first taken out my loan with Opportunity Finance ( or XXXX ) in XXXX XXXX. I made all my payments, and received credit line increases. My income at the time my loan was approved was {$70000.00} annually. 

In XXXX of XXXX, I became unemployed for 3 weeks. I was able to get temporary work ( temp job ) through a staffing agency. My income was then $ XXXX/hr. 

I notified Opportunity Finance that I was unemployed, and they 'suspended ' my account for 1 month while I tried to get employment. 

After the 1 month, and my account was active again ; I told them my new salary, that I could n't afford the normal payments. They accepted what I could afford at the time, which was {$25.00}. 

They continued to work with me, allowing me to make bi weekly payments of {$25.00} while I was working the temp jobs. They did this for approximately 5 months. 

In XXXX of XXXX, they told me I could no longer make {$25.00} payments, that I had to pay more. They gave me no reason for this. They said the minimum payment that I could do was bi weekly payments of {$79.00}. I told them I could not afford that, they told me to bad, but they would accept bi weekly payments of {$61.00}. I still could not afford these, but I tried. 

In XXXX of XXXX I became unemployed again. When I notified them, they 'suspended ' my account for one month again. I was able to get another temp job at the end of XXXX XXXX. 

In XXXX of XXXX, my account became active again. I called to set up payments I could afford, which was bi-weekly of {$25.00}. They told me they could n't accept that, the minimum was {$61.00} bi-weekly. I told them I could n't afford it, they said there was nothing they could do. So I did make a couple payments in XXXX and XXXX, but I could n't make anymore. 

At this time I asked them if my loan matured, and they said yes ( no longer accruing interest ). I asked them the balance, and they told me just over {$2400.00}. I asked that all payments being made are reducing the principal balance, and they said yes. They said as long as I made payments, no interest would accrue. This did n't make sense to me, because I was under the impression it had matured. 

Anyway, I could n't make any payments at the end of XXXX, beginning of XXXX. In XXXX, I received a threatening email saying it was the last time they would try contacting me ( they never contacted me before this ), and that if I did n't make a payment, they would take me to court. 

I could n't afford it, but I ca n't afford being sued either. So I set up a {$61.00} payment for today, XXXX XXXX XXXX. I told them that my current temp job is ending today as well, can they 'suspend ' my account for one month while I look for employment. They said no. The collection manager 's name is XXXX, he said he could n't help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX to dispute information on my credit report. There is two things that need updated. They have not updated them with the credit reporting bureaus. I need that updated ASAP. One XXXX XXXX credit card should be removed from my credit report as I am no longer an authorized user and the balance should be update on the other one to {$24.00}.
Product: Credit reporting or other personal consumer reports

I am contacting Experian in regards to Case # XXXX that was submitted on XX/XX/year> through CFPB regarding XXXX XXXX XXXX. Experian has stated they have investigated and marked my report as verified/acceptable. I am now asking Experian for verification of method of investigation. Please advise Experian has a 15 day window allowable to provide the method of verification according to FCRA. If not provided within 15 days this will be a violation of my rights and I will seek damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Loan # XXXX Account number XXXX Account number XXXX Account number XXXX Account number XXXX Has violated my Rights 15 U.S.C section 602 A States I have a 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
Product: Debt collection

The collection agency is attempting to collect on a debt that is the result of goods not received. Please see attached letter explaining my position.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( XXXX ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract any and all accounts you post on a credit report. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I expect to see an original proof of the accounts that I am listing below. 
Under FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand that you remove these accounts immediately : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer life.

IN tent to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Sections 617 if the UNVERIFIED items listed below are note deleted immediately.

A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA.

If you claim that these accounts are verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account.

The law is very clear as t the Civil Liability and the remedy available to me.

this company, has not been able to verify, come the time of the law, all the fraudulent information, nor has it provided evidence, nor verification method, sending me a letter asking me 15 more days, than what the law stipulates,
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates failed to show proof that they are licensed to collect in my state ( Florida ) but continue their illegal collection activities.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) -B, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX XXXX ) against them for similar violations. i request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX Accounnt Number XXXX XXXXXXXX XXXX XXXX Accounnt Number XXXX XXXX Accounnt Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed an unauthorized account on my credit report from XXXX BANK XXXX NUMBER XXXX according to the Fair Credit Reporting Act this must be removed off my credit report due to the inaccuracy. Im asking this is removed from my report before I pursue further action against the bureaus
Product: Credit card or prepaid card

I paid {$120.00} through Citibank credit card for two pairs of trousers from XXXX XXXX XXXXXXXX that were never received by me. XXXX XXXX XXXX XXXX$120.00} on XX/XX/2020. 
The seller says they were delivered but they were not received by me. They initially offered me a refund but reversed the credit. There was no way for me to contact the seller at all except by very delayed email. So I have paid for items I never received. Surely they have insurance for lost or stolen items. 

The dispute center said this : Reason for Dispute Goods / services never received Credit Status Conditional credit reversed Investigation complete Resolved in merchant 's favor XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

No matter what method one tries to resolve issues they CAN NOT access the data. Nothing works! All you get are rejections. A pathetic excuse for a company who holds all ones finances in their palm! There is no way to accessones information regardless of what they propagate!!!!!!!!!
Product: Credit card

I applied for credit and received a letter stating that my credit bureau indicates I was deceased. I called both the credit reporting agency and the card company but no one could tell me why the bureau said I was deceased, and Kohl 's could not tell me anything about the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company AMSHER COLL ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$130.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Mortgage

Loan Depot LLC ( XXXX ) Loan XXXX XXXX XXXX XXXX # XXXX is violating ethics codes and committing fraud. He claims in his social media, lXXXX XXXX and verbally tells his customers he has a finance degree from XXXX XXXX XXXX XXXX. Representing himself as a very educated financial XXXX. In fact XXXX XXXX has never attended any secondary XXXX XXXX  This is a violations of lending ethics codes and is a blatant act of fraud against the consumers he services. Loan depot obviously did not perform a thorough background check. This man should be delicensed by XXXX so he can no longer prey on customers with fraudulent credentials.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$930.00}
Product: Debt collection

I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against CLIENT SERVICES INCORPORATED I reject there offer to contract I did not consent to any NONAFFILIATED THIRD PARTY DEBT COLLECTOR CLIENT SERVICES INCORPORATED # XXXX to be in possession of my Nonpublic Personal Information. THIS IS A MAJOR VIOLATION OF THE GRAMM-LEECH-BLILEY ACT, AND THE FEDERAL TRADE COMMISION ( FTC ) CONSIDERS MY PRIVACY VERY CRITICAL. I never gave any permission TO CLIENT SRVICES INCORPORATED use any of my identifying information to commit mail fraud by contacting me about this ALLEDGED DEBT. This is notice to CEASE AND DESIST all illegal activity and communications. I am NOT requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. After you sent a letter XXXX STATING that SXXXX XXXX XXXX XXXX XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO CLIENT SERVICES INCORPORATED AND THEY BOUGHT IT. I now have reason to believe THEY YOU ALL conspiring against me trying to collect on a EXTENSION OF CREDIT through unlawful extortionate means. There is NO TRILATERAL CONTRACT BETWEEN XXXX CLIENT SERVICES INCORPORATED THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY ( CLIENT SERVICES INCORPORATED ). THE FAIR, DEBT COLLECTION PRACTICES ACT ( F.D.C.P.A. ) AND THE FEDERAL TRADE COMMISION ( FTC ) CFPB, WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME. I AM PREPARED TO SEEK FEDERAL JUSTICE, AND DEMAND, ALL MY FEDERAL RIGHTS BE PROTECTED, AND RESPECTED, AND ENFORCED. AND UNDER THE FAIR DEBT COLLECTIONS PRATICES ACT ( FDCPA ) AGAIN CLIENT SERVICES INCORPORATED WE HAVE NO CONTRACT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH CLIENT SERVICES INCORPORATED NOR DO I DESIRE TO CEASE AND DESIST ALL COMMUNICATIONS WITH ME IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX NEW YORK ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX TX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX NEW YORK ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Additionally, I have identified multiple unauthorized inquiries on my report that I did not initiate. I request the immediate removal of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts and inquiries in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I 've been trying to dispute an account with this credit bureau since last year. After receiving a result letter from this bureau stating that I need to contact the collection agency that exactly what I did. I sent XXXX what I read as a " proof of claim '' letter and they responded with a contract that is hard to read the name is very blurry and illegible. The name on the contact saw a lady 's name of XXXX XXXX or whomever. See what I received in the attachment
Product: Credit reporting or other personal consumer reports

ATTENTION TO XXXXXXXX XXXX TRANSUNION, XXXX, and XXXX This complaint is in reference to a XXXX XXXX  XXXX loan that has been tendered and paid in full but is reporting discrepancies to my credit report and also not reporting that the account has been paid in full Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to XXXX XXXX, TRANSUNION, XXXX, and XXXX written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information.

The following items listed below are all in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6801, 15 USC 6805 and 15 USC 6802 obligation to disclosure of personal Information. 

TRANSUNION, XXXX, XXXX and also XXXX XXXX  should be penalized for there unlawful actions violating my rights, all are guilty of either reporting or disclosing my information. I Have attached a report of my credit report from all 3 bureaus and you will be able to see the proof of discrepancy within the credit bureaus and XXXX XXXX. All the credit bureaus are reporting different dates of accounts being open, different loan balances, payment history, all inaccurate reporting violating 15 USC 1681. Each violation is subject to {$1000.00} fine per violation made by each party involved. XXXX XXXX  is reporting Late Payments from XX/XX/XXXX up until XX/XX/XXXX. These late payments are reporting to TRANSUNION, XXXX, and XXXX with discrepancies, they all report different information, completely in violation of 15 USC 1681 inaccurate reporting, 15 USC 6801 illegal to report transaction history, 15 USC 6802 disclosure of personal information. I signed a privacy agreement with XXXX XXXX  that they wouldn't disclose my information to a third party company and all three credit bureaus are third party companies, therefore illegal to report on my credit file. XXXX XXXX  can't disclose my information and the credit bureaus can't report it. They both owe for compensation. XXXX XXXX  also has remarked my credit report with a REPOSSESION/REDEEMED note and it is reporting on all three credit bureaus also in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6802 disclosure of personal Information, also subject to {$1000.00} fine for violation of my rights. It is unlawful and they are in violation of invading my rights and I am invoking my right to opt out of XXXX XXXX  disclosing my information under 15 USC 6802. I am also invoking my right to opt of TRANSUNION, XXXX, and XXXX reporting my personal information also under 15 USC 6802, as in credit utilization and payment history, which is inaccurate falling under 15 USC 1681. I have a suffered behind these unlawful acts by XXXX XXXX, TRANSUNION, XXXX, and XXXX as it has impacted my credit score unlawfully and needs to be. resolved immediately by removing the information from the credit report and also cease the reporting.
Product: Debt collection

This company called my cell phone and left a message threatening me with litigation. An y debts they may be referring to are many years past the applicable statue of limitations in the State of California (  or any other state ). When I called them back,  XXXX   XXXX   XXXX   XXXX  confirmed - and repeated - this threat. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATION AGAINST 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 


Inaccurate and false information is being reported while the bureau is continually " verified '' the information. If is has been verified as correct then why is is different via XXXX different bureaus. SEE ATTACHMENTS Clearly nothing has been verified, I DEMAND THAT THE XXXX XXXX CONSUMER RIGHTS AND DELETE THE FALSE ACCOUNT NOW. 

DELETE ACCOUNT XXXX  XXXX XXXX  XXXX