23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Affirm LLC went to XXXX XXXX XXXX, a Debt Collector, claiming I purchased a Virtual Card with account XXXX ending in XXXX. As of XXXX XXXX they claim the debt on that card was {$120.00} They also claimed I had a purchase on another account ending in XXXX, for a XXXX camera purchase, for {$830.00}. These fraudulent claims are now on my credit report and are negatively affecting my once excellent credit. 

They are saying it will take about 20 days to investigate. I tried to explain and dispute any purchases with said company but nothing seemed to work. When I inquired since I was disputing opening any such accounts that any future charges be stopped and the fraudulent account be closed. They said they could not do that, I would have to contact Affirm LLC. How can I stop an account I never opened?
Product: Debt collection

ERC Collection Creditor Phone Number XXXX XXXX XXXX XXXX Creditor Address XXXX XXXX XXXX XXXX, FL XXXX This company has re-aged a collection account. The date opened is being reported as XX/XX/XXXX however, this account was placed for collection with the Original Creditor - XXXX - in XX/XX/XXXX. This is a clear violation of FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  DC XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX  XXXX XXXX XXXX : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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

In accordance with the Fair Credit Reporting Act code 15 USC 1681, it is TRANSUNION 's duty to provide accurate and fair credit reporting. Failure to do so directly impairs the efficiency of the monetary systems and directly undermines public confidence within said systems. It is imperative that TRANSUNION only provide the most accurate and up to date reporting to continue the proper functioning of the banking systems.

TRANSUNION is reporting 5 late payments on the XXXX XXXX XXXX accounts ending in : XXXX XXXX XXXX XXXX XXXX All 5 of these accounts include a late payment of 90 days, set on the month of XXXX of year 2017. This is incorrect information being reported and shall be reported as PAYS or PAID AS AGREED. Furthermore, persuant to 15 USC 1666b, A creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as LATE for any purpose, UNLESS the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not less than 21 days before the payment due date. Also adding in violation to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), by furnishing any transactions as late payments. The term " consumer report '' does NOT include information solely as to transactions or experiences between the consumer and the person making the report. Therefore, late payments do constitute transactions and thus, TRANSUNION is in clear violation of my federally protected consumer rights.

Lastly I NEVER provided TRANSUNION with my express written consent to furnish these inaccurate late payments on to my consumer report and this in violation with 15 USC 1681b ( a ) ( 2 ).

These inaccurate and derogatory statements have caused myself and my reputation unnecesary harm and difficulty as a consumer and as a natural person. I have written this letter without ANY connection or affiliation with a third party.
Product: Money transfer, virtual currency, or money service

I have an account balance from XXXX XXXX that I can't withdraw at all because of Gemini. Gemini owns XXXX XXXX and what happened is that my gemini account got deleted without any notice. I was not verified yet after almost 2 months and i figured there was a bug with my account. I tried creating a new account, with my job e-mail, and provide better pictures of my passport etc, but unfortunately it wont let me create a new account. It is saying that my e-mail address is unavailable. XXXX So now Gemini / XXXX owns my money and it is impossible for me to withdraw it. I have been sending numerous e-mails to their customer service and got no replies. It's been 2 months now ... I need this money back. This is fraud. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$660.00}
Product: Student loan

I have several private student loans through Navient for approximately $ XXXX. I have made every attempt to pay them and made several ; repayment agreements that Navient never fulfilled. I would make an agreement and start paying and they would continue to harass me and mis appropriate my payments. This has severely impacted my credit as well as my husbands. They are false reporting information to credit bureaus. I make am payment and then 2 days later i get called, my family gets called, and we are all threatened but meanwhile i already made my payment. The payments I do make are specific to certain loans. They have taken my payment and put them towards newer loans and others loans. All but the ones I specified. 
They even went so far as to call my neighbor and threaten him telling him my personal account info including total amount outstanding, social security number, and account numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two issues I have with Capital one. First is I'm paying {$40.00} per month for the past 2 years. that amounts to {$960.00}. The credit bill you took me to court for was {$2000.00}. In all accuracy, my report shows {$1500.00}. Including the Charge/Off ( false reporting ) you are reporting on my credit report. 

I know you are mad because I owe the debt but to lie on my report. I'm going to now to obtain legal representation for false reporting.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several unverified and unauthorized hard inquiries. I am writing to dispute these unauthorized inquiries on my credit report. 
At this time, I am requesting that you please delete and remove the following inquiries below. 

HARD INQUIRIES XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX - XXXXXXXX XXXX. XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX - XXXX XXXXXXXX  XX/XX/2022 These inquiries are affecting my credit score negatively and were unauthorized, time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please send me a copy of my updated credit report once this issue is resolved. 



Thank you in advance for your assistance with this matter.
Product: Payday loan, title loan, or personal loan

I signed an agreement that I would be able to manually make the payments from an account of my choice. I also confirmed this with a Big Star Credit agent on their recorded line. I was assured that payments wouldn't deduct from my account automatically since I checked the box on my contract that said I would manually make the payments ( found at bottom of page 6/ top of page 7 in the attached agreement ). Despite my contractual agreement acknowledging that payments would not automatically deduct, a payment was charged to the account I specifically asked for it to not be charged to. This is misrepresentation and I would have never agreed to the terms of the loan.
Product: Credit reporting or other personal consumer reports

I request a full investigation into the charge off account and evidence of its ownership. On XX/XX/XXXX, two XXXX XXXX XXXX credit card accounts were opened, but I only authorized one. I had no knowledge of the second account. Despite this, I am receiving letters claiming the account was verified and requesting payment, yet no evidence has been provided to prove the account was mine. 
I will attach copy of the letter I received from them to prove they're ignoring my request and they are not providing any type of ownership evidence for the charge off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX XXXX XXXX have reported fraud with the credit bureaus experian XXXX XXXX about my report and information on it. they will not help me with fighting these errors and accounts on my report and to clear them up/ they leave them the same status and will not delete them or change status meaning the accounts that have been paid are still showing derogatory status and hurting my credit score. child support on my credit file is fraudulent from the XXXX XXXX department of welfare. they frauduaently put XXXX XXXX  on my credit report from when my ex wife XXXX  my kids back in 2010 and since have continued to harass me and hinder me from getting any sort of loans or a house due to them lying and siding with my ex wife as well as them signing my name on court documents that is forgery and purgery in a court of law. they know this. ive asked them many times as well the bureaus to remove this as well as disputed it many times and they keep coming back with no change.
Product: Debt collection

CBE Group is trying to collect a debt from Charter Communications regarding return of equipment. I have let them know numerous times that the equipment was returned and that I do not owe the debt. They continue to try to collect and ding my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several written requests to each credit bureau to verify these accounts below because I did not know anything about them nor aware of them. However the bureaus sent me basic letter just stating was verified but no details that I requested. Then when I reviewed an updated report nothing has changed on any of these accounts including data detailed per bureau. 

In accordance with the Fair Credit Act XXXX these accounts listed has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account items : 1. XXXX  XXXX XXXX Case Number : XXXX XXXX. XXXX Account Number : XXXX 3. XXXXXXXX XXXX Account Number XXXX XXXX  4. XXXX XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

They are calling up to 5 times a week, asking me to pay a " debt '', they're never specific. But this has been ongoing to about 6 months or so.
Product: Student loan

In XXXX, I was contacted by telephone the caller saying he was collecting a student loan of {$750.00} that I owed from XXXX. He was brutal in his language and demeanor. He said the loan had accumulated over {$5000.00} in interest. I had never been contacted before regarding student loan debt and believed that all of my loans were satisfied. This groups passed my account back and forth between collection agencies XXXX name only XXXX located in Texas. I was quite ill at the time. I asked for proof of the debt and they refused and threatened to garnish my social security - my only source of income. My doctor provided information to them about my XXXX and their doctor confirmed it ; however, they insisted that I sign an agreement to pay. I signed with a statement that it was under duress. They refused to accept it that way and so I signed and sent a letter saying it was under duress. That letter is missing from my file. Since then they have garnessed my social security several times. Finally I was just granted a deferrment from the DOE but this collection agency still reports the loan has XXXX missed payments. I never agreed to payments and have notified them several times that this information is false.
Product: Credit reporting

I sumbitted a dispute for inquires listed on my credit report dating from XX/XX/2017 and prior to Equifax on XX/XX/2017. It has been longer than the required 30 days for the investigation to be completed and it still is pending. I 'm asking for these inquires to be removed as this is damaging to my credit.
Product: Payday loan, title loan, or personal loan

I called lending club multiple times asking for a statement payoff because I'm closing on my property. I need it to payoff my account. My credit shows 30 days late, I never got phone call, or billing statement. I am visually and hearing impaired. I asked for XXXX accommodation multiple and staff is always rude to me.
Product: Credit reporting or other personal consumer reports

Please see the attached FTC report and XXXX  release form and remove the listed unauthorized accounts and inquiries due to my information being compromised in the Equifax data breach.
Product: Credit reporting or other personal consumer reports

I am writing in response to the evaluation of my personal credit report, which I recently received. Upon reviewing the report, I have identified several inaccuracies that is of concern to me. It is my understanding that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies in my credit report. This discrepancy is concerning to me as it may negatively impact my creditworthiness and financial opportunities. 

In accordance with the FCRA, I am formally disputing the aforementioned inaccuracy and requesting that it will be promptly investigated and corrected. I have enclosed documentation that supports my claims and provides evidence of the inaccuracy in question. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE OF CLAIM TO INTEREST XXXX ATTEMPT XXXX XXXX, XXXX/agent here on behalf of XXXX XXXX/principal. I Hereby accept all Titles, All Rights, All Interest, and Guaranteed Equity owed to Principal XXXX XXXX. I hereby instruct XXXX ( XXXX XXXX ) to apply Principals Balance to Principals Account # XXXX each and every billing cycle for set-off. Please apply this XXXX of payment to the account within XXXX business days after receipt of this notice. I also instruct XXXX ( XXXX XXXX ) to communicate through writing if there is any discrepancies within XXXX business days. If no communication is made within XXXX business days after receipt of notice then I can assume that the aforesaid instruction have been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 an alleged fraud or extortion. 

XXXX : XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$170.00} EQUIFAX XXXX XXXX. XXXX XXXX XXXX : {$8500.00} XXXX. XXXX XXXX XXXX : {$4200.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} XXXX. XXXX XXXX XXXX : {$2600.00} XXXX. XXXX XXXX XXXX : {$3100.00} XXXX. XXXX XXXX XXXX : {$1200.00} XXXX. XXXX XXXX XXXX : {$1000.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$170.00} XXXX. XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$7600.00} XXXX XXXX XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$8500.00} XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7600.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2600.00} XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$3100.00} XXXX. XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX and transunion did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything.
Product: Debt collection

I contacted by my Capital One/XXXX credit card collections department on or about XX/XX/18 about my credit report saying my account was closed but my account online saying it was open. I was made to believe that my account was only closed until my balance was below my credit line, then I would be reopened. On XX/XX/18 I checked my credit report again and it still said the account was closed even though I now had available credit according to my online account. I submitted a dispute with XXXX on XX/XX/18. On XX/XX/18 I got the results saying it was closed with a freeze on file updating. I contacted Capital One/XXXX  on XX/XX/18 inquiring about why it was being reported as closed now that I had available credit and explained what their collection department had led me to believe. They stated that they the collections department may not have had access to all the account information. I asked if they routinely made deceptive claims in order to get customers to pay. The only thing she kept referencing was the cardholder agreement saying that was all that mattered and not what/how a debt collector tried to collect the debt. I am wanting a copy of the audio call in which I agreed to make a payment, and of what the debt collector told me about my account. I know the call was recorded as they made me aware that the call was being recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two months, I have been trying to get a total of 8 hard inquiries removed from my credit report that I did not authorize. The inquiries and unauthorized dates are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX ( XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX XXXX. I sent several dispute letters and I even contacted them several times as well to verify these inquiries and the information comes back verified. I contacted Transunion again and they prompted me to call EACH creditor to retrieve a " Letter of Deletion ''. When I contacted each creditor and requested a letter of deletion, EACH creditor informed me that there is no record of " XXXX XXXX XXXX '' in their system. Therefore, I sent Transunion another letter to verify their method of verification and requested specific details to ensure verification and Transunion failed to do so ; these inquiries again came back as verified. I contacted the bureau again to seek further assistance in these inquiry deletions and no one seemed to help me resolve this matter. As a consumer, I feel my rights have been compromised and violated. I have done all that was requested of me and I've went over and beyond to get this matter handled. I feel devalued as a consumer and customer of Transunion. At the time of these inquiries, I was in college and was not seeking credit of any sort. Please remove these inquiries as requested. They were not authorized.
Product: Credit card

With regard to Chase Bank : I received a {$490.00} credit charge to a merchant XXXX on XX/XX/XXXX. This merchant had never been seen or used before. 

The same, day I contacted Chase Fraud Department to close the card and reverse the charge under fraudulent. The representative closed the card, credited my account, and immediately had a new credit card send out. 

On XX/XX/XXXX I received a letter from Chase stating they completed a review of the unauthorized transaction on the account. Chase removed the previous credit they applied to the account, and claimed I was responsible for the {$490.00} charge. The reasoning was : " You received benefit from this transaction. '' This was a fraudulent transaction. 
No benefit was received.