23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

About two years ago i purchased a copy of my credit report and noticed there exist a collection account for an unpaid XXXX XXXX XXXX and few other account that was not mine and i did not applied for any of them. After contacting credit bureaus i was informed that i need it to file a police report and also an FTC report which i did and send it to credit bureaus and the original source. They all did removed the fraudulent account from my report and everything was great till when i tried to refinance my home and i got turned down due to this collection account which they reinserted on my credit report and re aged it. Again i sent my dispute letters to credit bureaus and the ERC collection agency and in my letters to them i enclosed a copy of my police report and my FTC report. Not only they have not removed this fraudulent account from my credit report they sent letters to credit bureaus that this account belongs to me and been verified. So far this company caused me a great deal of stress and money and i need your help to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian I Checked my credit report and saw multiple fraudulent inquiries on my account and they are : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I have filed a police report, and a identity theft affidavit and got it notarized! REMOVE THESE FRAUDULENT INQUIRIES IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize these inquiries and i have reached out to these creditors and still havent removed the items
Product: Credit card

I made a payment on XX/XX/XXXX for the full statement balance of {$340.00}. The payment was made from my bank account and has cleared my account. As of XX/XX/XXXX, the account is still reported past due and negative. It has also reported on my credit bureaus as negative and past due. I reached out to the company and spoke to a representative and a supervisor to be told that payments made from checking accounts are held up to 14 days. The supervisor said that checking accounts are non currency funds. The money was extracted from my checking account, I have never had a return payment and I can not understand how payments made from checking accounts are non currency funds. The funds will credit my account on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX to get my Equifax annual credit report. I request my Equifax report at this time each year ( and do the other ones in XX/XX/XXXX and XX/XX/XXXX ). The same thing happened this year as in XX/XX/XXXX : I answered the verification questions to the best of my ability, but was denied access to my Equifax credit report. InXX/XX/XXXX, I was successful in getting my XXXX and XXXX reports but not my Equifax report. This year, I successfully got my XXXX  report, but AGAIN failed to get my Equifax report ( I wo n't try for my XXXX report until XXXX ). My complaint is that the questions are too vague and deliberately tricky. They expect you to remember the month and year that you opened credit accounts! That is not reasonable. When I do n't have an account with any of the four companies shown in the responses, it is easy to answer " None of the above. '' But I do have a mortgage with one of the companies they listed, so I checked it off, even though I could n't remember if " opened around XX/XX/XXXX '' was the right date for that particular credit union 's HELOC that I have. Then the fourth question was what is my scheduled payment on that mortgage. Since it is {$50.00}, I answered the $ 0- {$190.00} response. Then I submitted my answers and it failed me. This is so frustrating! Now I have dug out my HELOC statements, and the account was opened in XX/XX/XXXX. There 's just no leeway. Apparently I should have answered " None of the above '' for that question as well. I understand the questions need to be specific enough to zero in on me. But I 've given my DOB, SSN, and address already, so I think the questions should be less tricky to get right. Now I again have to mail away the paper form and proof of who I am to get my Equifax report for XX/XX/XXXX instead of being able to use the online method. And when the very hefty paper report comes, I have to sit here and scan it all in so that it is saved with the other credit reports I 've gotten online. I am trying to do the right thing and examine all of my credit reports once every year, but the system is stacked against me.
Product: Money transfer, virtual currency, or money service

PayPal permanently restricted my account after I filed a complaint for a separate account a individual account and a business account are two different things my commerce should not be hindered and is a breach of contract these two accounts are not associated legal notice of rescission breach of contract I have several deposits being made to this account which will be illegally hindered and restricted
Product: Credit reporting or other personal consumer reports

I am not even sure if i clicked the right boxes because they didn't quite fit my complaint. Back in XXXX XXXXXXXX solar sold me on solar panels with the promise of in their words " sticking it to XXXX ''. I was promised many things by the solar company, including panels that work and provide enough energy to not only get rid of my energy bill but also enough power to send back to the grid and generate credits for the future. I was promised XXXX insulation roughly to the sum of {$10000.00}, they did not install any insulation. I was promised a federal tax credit of 26 % of the cost of the solar panels which i also did not receive, as the salesman worded it as if i was going to receive a lump sum check that i could pay back to Dividend Finance, the lender, to help pay down the loan, which also did not happen. Instead, the salesman pushed and pushed to have me sign everything the same day so i could not read it properly in length and have time to consider such a big purchase. I have read that the finance company is in litigation in other states because of misrepresentation by the solar company, and for HIDDEN FINANCE CHARGES, which to my knowledge is illegal under the Truth In Lending Act. I have been paying the finance company on time every month since XXXX, while also paying an electric bill that i was promised would not exist. They also told me that the solar panels on the north side of my roof would generate enough power and wouldn't be a problem, but they are almost never touched by the sun to generate any power whatsoever. The system has failure after failure, and is now causing mold damage to the north side of my roof, since the panels are almost in complete darkness even during the day, the underside of the panels has become a haven for mold. I just need some guidance as to how or what i can do to be free of this pain. The finance company gives me the runaround and wont let me see my loan when i try to go on their portal to view it, it says my loan does not exist. i have asked them about it and they say that they can see it on their end but give me no solution as to why i can not see it. I have contacted the Michigan Attorney General about this and they are working on something but who knows how long or what they are doing about it. I want help to see if they have hidden finance charges on my loan as well and also how would i find this information on my own if possible. The truth in lending act disclosure does not give any breakdown of the cost of the panels, installation, or anything, all it says is my loan amount and the apr, and the finance charge of it being paid over 30 years. Please help or at least point me in any proper direction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called and spoke to experian and XXXX and personally faxed and mailed to XXXX all bureaus stated it would be removed. 


In accordance with the Fair Credit Reporting act 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received a loan for the amount {$18000.00} from lending club after receiving a denial email from them. I have never once received a letter stating that I was approved or anything pertaining to an account number with them. I immediately cancelled the loan with them, but due to them sending out the money I had to wait for it to return from my credit card companies. XXXX XXXX sent money back to my account ending in XXXX and XXXX XXXX XXXX XXXX XXXX did a reversal and sent back the money directly to Lendingclub Bank & affiliates. XXXX XXXX previously sent out a letter confirming where they sent it back to and this will/can be provided once delivered again. As shown in my bank statements is the following : XX/XX/XXXX Received {$6700.00} from Lendingclub Bank in account ending XXXX XX/XX/XXXX Received Refund of {$6800.00} from XXXX XXXX in account ending XXXX XX/XX/XXXX Reversal of {$5200.00} sent back to Lendingclub Bank in account ending XXXX XX/XX/XXXX Lending Club withdrew full amount of loan {$18000.00} from account ending XXXX XX/XX/XXXX Received overage paid of {$5200.00} back from Lending Club in account ending XXXX Lendingclub Bank will not send cancellation/termination letter stating loan has been fully refunded. Yet have now sent an email stating there is a new loan of {$5200.00} and will be trying to withdraw it in the next 7 days. They say that the account is past due and are trying to collect a debt which is not owed and have a recorded conversation of ours today XX/XX/XXXX at XXXX Eastern Time to confirm this. Lendingclub Bank is also still reporting this loan to the credit bureaus as full and unpaid.
Product: Money transfer, virtual currency, or money service

Money was send to me from XXXX XXXX for a car he brought from me I did not know I had my Venmo card link to my account so when XXXX XXXX send me the money it when into Venmo account I try to transfer the money out Venmo to my bank account. This is when Venmo close my account and send me a email telling me do not Contact them anymore. I called over 20 times with all the calls being recorded. They give you a different reference number Every time you call in this company is so scamming people. With they fine Print. 
They said that I have violated Venmo rules but Ive never seen Venmo rules. I would like for something to be done about this company. They have thousands of Complaints about them taking peoples money hard earned money
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted these 3 complaints XXXX, XXXX and XXXX to Experian because they are not fixing errors on my credit report. Today is XX/XX/XXXX so 16 days after and they still did not remove this account that contain errors on my credit report. You can clearly see that they are not investigating anything because on XX/XX/XXXX they send me a notification that they completed the investigation but nothing changed. They are not doing anything and they are not investigating and verifying information, all they do is to close the investigation. Even though I send them several identity thefts reports they are not doing their job.
Product: Debt collection

I am receiving repeated phone calls with no voicemails left from Upgrade, a loan company. They are calling from various different phone numbers in Arizona : XXXX ; XXXX ; XXXX ; XXXX ; and others. No message is left.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report an collection account that is a result of fraud. If they had accurately investigated my dispute claim then the account would have been removed after the first dispute I initiated. Equifax validates the collection without doing the due diligence that they are suppose to and that has resulted in the XXXX XXXX collection showing on my credit report since XX/XX/2016. I have never had insurance through XXXX and Equifax refuses to do anything to help me remove this fraudulent collection.
Product: Credit reporting or other personal consumer reports

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

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




XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XXXX, I reported a fraudulent account on my credit profile from XXXX XXXX that was opened in XX/XX/XXXX. I do not have and have not ever had an account with this company. 

I contacted all three major credit bureaus, provided them with the correct information including the fact that I did not live in the state where this account was created, nor was that my last time. The account was removed from my credit report in XXXX. 

However, now another collection company by the name of Diaz & Associates has re-inserted this information on my credit report. I have disputed this with the credit bureaus and this company and the credit bureaus continue to state this information is valid. It can not be valid when it was previously removed my report as fraud.

Diaz & Associates sent me a computer generated lease agreement with an ELECTRONIC signature that is not mine, this can not be used as a means to determine the validity of the debt. It is extremely egregious that a credit bureau would allow a collection agency to add information that has been removed previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is Continuing to report an invalid bankruptcy on my credit report. They are doing so even after the fact of me submitting evidence that the bankruptcy has been reporting in total error. I submitted a dispute yesterday, and they verified it less than 24 hours later is accurate. It is not, and must be removed immediately, per the FCRA. If TransUnion do not comply with the law, I will be forced to take legal action. I will include evidence from XXXX showing this inaccurate information has been removed from their database. But, TransUnion persists in the reporting of inaccurate information that is adversely affecting me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a complaint against XXXX XXXX and Bounce AI XXXX regarding their handling of my debt and its reporting to the credit bureaus. The original debt originated through XXXX XXXX, but the reporting on my credit file is incomplete and inaccurate. Specifically : XXXX. Incomplete Credit Reporting : XXXX XXXX is only reporting missed payments but failing to report my full repayment history, which is a violation of the Fair Credit Reporting Act ( FCRA ). 
XXXX. Disputed Debt Sold : After I disputed these credit reporting inaccuracies, XXXX XXXX sold the debt to Bounce AI XXXX, which has led to multiple accounts appearing on my credit report for the same debt. 
XXXX. Failure to Provide Documentation : I have requested a forward flow agreement and proof of debt, but neither XXXX XXXX nor Bounce AI XXXX have provided these documents. This raises concerns under the Fair Debt Collection Practices Act ( FDCPA ). 
4. Request for Immediate Removal : Under 15 U.S.C. 1692c, I am requesting that this debt be removed from my credit report within 72 hours due to the inaccurate and unfair reporting practices. Additionally, I request that all three credit bureaus ( XXXX, XXXX, and XXXX ) conduct a thorough investigation and remove any duplicate or incorrect debt entries from my credit report. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX KS XXXX
Product: Credit reporting

First Advantage XXXX XXXX XXXX XXXX undertaken in the course of a job application. 

Public record states " guilty '' disposition for a charge that was amended from " XXXX '' to " XXXX. '' Nonetheless, the criminal file search listed above simply states " guilty '' and " XXXX. '' In short, this is misleading, and makes no mention whatsoever of the fact that the charge itself was amended. A potential employer could only read this to say that I was found guilty of XXXX -- which is simply not true. An important distinction, especially when under the scrutiny of a job application.
Product: Debt collection

On XXXX, Huntington bank process a payment in the amount of {$14000.00} for a balance due to XXXX XXXX from a company called, XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX. 

I do not owe any money to XXXX XXXX. I have not lived at that place in seven years. Furthermore, I never had any business with XXXX  XXXX XXXX or his firm. 

Huntington Bank nor the company fraud alert department never notified me of any debt in any amount was being process through my account. 

Therefore, I will file an XXXX  complaint against Huntington Bank Legal department, I have filed XXXX against XXXX XXXX XXXX XXXX XXXX, with the CFBP.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my dispute regarding a hard inquiry on my credit report that was conducted without my explicit consent. After a thorough review of my credit file, I discovered an unauthorized inquiry into my credit history, resulting in a hard inquiry entry on my Equifax credit report. 

XXXX XXXX XXXX - XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Around X/X/17 I called Transunion about my Bankruptcy is not reporting correctly as dismissed and not discharged. I asked for a verification based on FCRA and information as to who, date of person call was made to do I could re verify this information as accurate. They have failed to complete requested dispute and verified information as requested within a 30 day time frame. They responded stating information on the Bankruptcy has been updated but it still show as discharged.
Product: Debt collection

I am a victim of identity theft I notice a rental property was open in my name without my knowledge or consent and the amount owe is {$16000.00} yes this not my debt I am seeking legal action with the local sheriff department
Product: Credit reporting, credit repair services, 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. 

XXXX XXXXXXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX Acct # XXXX XXXX U.S.C 1681 section 602 A States I have the right to privacy.

16 U.S.C 1681 section 602 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 take any consumer report containing the following items of information, other than records of convictions of crimes which indicates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant XXXX it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving XXXX, XXXX, and Transunion.