23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got XX/XX/year> and the info on the closed date and price is only for what is owed not what the car was loaned for Ive tried to call and work with them for payment but couldnt agree on price for payment
Product: Mortgage

On XX/XX/ my co borrower and myself we under contract which interests were at 6 % which was advertised on their website had a lower interest rate at the time. When we closed on the property the interest rate was at 7.5 % which we complained about at closing which we was force to sign the contract.
Product: Credit reporting or other personal consumer reports

What happened? 

On XX/XX/year>, I sent a debt validation letter via certified mail to Midland Credit Management ( Midland ) requesting validation of a debt they claimed I owed. Instead of validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), Midland transferred or sold the debt to XXXX XXXX without providing the necessary validation. 

15 U.S.C. 1692g ( Debt Validation ) : Under this section, once a consumer disputes a debt in writing or requests validation, the debt collector must stop all collection activities until they provide verification of the debt. Selling or transferring the debt without providing validation violates this provision. 

I have not received any validation of this debt from Midland, yet they have transferred it to XXXX XXXX for collection. This is a violation of the FDCPA, which requires that all collection activities stop until the debt is properly validated. 

I have proof of the certified mail receipt that I will upload to support my claim.
Product: Credit reporting or other personal consumer reports

I have reached out to the credit agencies regarding USAA ACCOUNT # XXXX, listed on my consumer profile, which has never been properly verified. I HAVE ALSO CONTACTED USAA, who also failed to provide the proper verification of debt. I have received correspondence from a agent inside of the USAA executive off by the name of XXXX, who said the verification would be provided shortly, violating the FCRA by not producing this evidence within a 30 day period. I then allowed usaa even more time to provid this wet ink signature contract, which they have only sent a summery of the account statement, TITLED, VERIFIACTION OF DEBT. AFFIANT, ME, XXXX ; XXXX XXXX XXXX, have never seen or witnessed any contract between myself of this corporation. PER FCRA 609a, if this documentation can not be provided within 30 business days, this item must be permanently deleted from my consumer file. ACCOUNT SUMMARY is not valid verification of debt. I HEREBY REQUEST THAT THIS INFORMATION IS DELETED FROM MY CREDIT REPORT WITHIN 4 business days. THEREFORE, this is a form of fraud, and USAA has mislead the public, my defaming my name and credit worthiness. Shall these items not be deleted, a litigation process will begin. Please see the attached documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer r
eport as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

recently i had looked at my credit report and noticed several innaccurate information is reported on my account.this acccount is hurting my ability to obtain credit.it is my understanding that you will investigate these items for me to ensure accuracy .here is the item .i an asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian fails to remove the XXXX XXXX account. Experian reports incorrectly that this account Terms are Revolving. Experian reports incorrectly that this account balance is {$18000.00}. Experian reports incorrectly that this account is past due {$18000.00}. Experian reports incorrectly this account Credit Limit is currently {$15000.00}. Experian reports incorrectly that this account is over it 's Credit Limit. Experian reports incorrectly this account 's date of first delinquency .Experian reports incorrectly that I must bring this account current even though I received a XXXX Cancellation of Debt from XXXX . Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Payday loan, title loan, or personal loan

Went online to obtain a payday loan or installment loan. People are representing themselves as Speedy Cash out of XXXX, GA. I called fraud people at Speedy Cash in XXXX, GA  and they don't offer any services in Nebraska  where I'm at and my name or SS # didn't appear on their accounting system. 

I've also contacted my bank of the money deposited as being fraud as well. I am working with them on phone as I type this letter. Amount of money was {$990.00} on XX/XX/22 to XXXX ( XXXX XXXX XXXX XXXX XXXX ). XXXX Imposters names and phone number posing as banking lenders for Speedy Cash in XXXX, GA ( both are VoiP phones ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

td XXXX responded to the complaint. 
td bank hasnt responded to the compalint. 
the complaint is about td bank and the reversal of 2 deposits that should have been on the card 2 months ago. 

The complaint is not about td XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00}, XXXX XXXX XXXX Balance Owed : {$2200.00}, XXXX XXXX XXXX Balance Owed : {$76.00}, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$8600.00}, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance Owed : {$2000.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$460.00}, XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX. XXXX, XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX  XXXX Balance Owed : {$430.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

I sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking number #. 

According to the FRCA, the term " investigate consumer report '' means to report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything should be 100 % Accurate. Ihave the credit report showing the inaccuracies. 


Accounts XXXX Account ID : XXXX Tracking # US DEPARTMENT OF EDU Account ID : XXXXXXXX XXXX XXXX XXXX  Account ID : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX : XXXX. XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX. BRCLYSBANKDE - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Debt collection

I have insurance through the Veterans Affairs purchase offices. I am a XXXX Veteran and the issues of this company being paid by the purchase office of the VA care setting. This company cliams that the VA did n't pay them. They are charging me XXXX dollars and are harassing my employment, school, wife, and life. They are a comoany based out of their home. They have commited fraud and want an investigation into what their doing. Highly illegal practices. All three of my XXXX scores have been lowred by them. I 'm also military which have certain laws protecting me. I need help with this case please.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this account as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX : {$260000.00}
Product: Student loan

I attended The XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX. The school promoted an 87 % chance of job placement after graduation. This turned out to be false advertising and the school ( Part of EDMC ) has been sued by the federal government and even recognized by President Biden as a bad actor. Due to this, my federal loans were forgiven by President Biden in XX/XX/XXXX. 

This, however, has had no effect on my private loans. My private loans totaled {$64000.00} when I graduated and due to hardship went above XXXX at one point. I made faithful payments every month of over {$1000.00} since XXXX ( increasing yearly due to the repayment program ). In total, since XXXX, I have paid {$130000.00} into these loans. I have held these loans in good standing the entire time and in XX/XX/XXXX I was able to make a lumpsum payment of {$3400.00}, finalizing my payments ahead of the XX/XX/XXXX payoff date. In late XXXX / early XX/XX/XXXX it was brought to my attention in a forum I follow that Navient was offering private loan forgiveness, through a program much like the Borrowers Defense to Repayment ( BDR ). Navient was aware of my attendance at a fraudulent school as I had submitted my BDR in XXXX of XXXX and had put my federal loans into administrative forbearance at that point ( this action involved numerous phone calls to the company with paperwork being sent that proved I was awaiting approval ). I am member of the post-class settlement in the XXXX case. I was never made aware of any kind of financial aid or forgiveness program regarding my private loans. Had I known about the forgiveness program I would have withheld my final payment and applied for forgiveness where I have numerous documents proving XXXX/EDMCs fraudulent acts.
Product: Credit reporting or other personal consumer reports

collection account from XXXXXXXX XXXX XXXX with account # XXXX and a balance of XXXX the original creditor is XXXX. 
15USC 1681 S-2- " Responsibilities of furnishers of information to consumer reporting agencies, '' says that a company shall not furnish any information further any information relating to a consumer to any consumer reporting agency if the company knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting 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 under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

went to website XXXX XXXX XXXX to activate cards for online use input cards info on website, but website said contact phone number on back of cards called number on back of cards, was told to use the website tried website again, didn't work called company again, they said send FAX of photo ID asked for email address, as this is more secure and do not have a way to fax was told company doesn't use email - spoke to supervisor who said same thing, only fax reading online, this is a common issue with this company some have faxed ID and never hear from the company some have gotten an email address from them have XXXX of these Visa gift cards received as gift ( have XXXX receipt ), but both have same issue trying to activate the card for use
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian XXXX XXXX  XXXX due to significant inaccuracies, contradictions, and missing information related to the account from XXXX XXXX ( partial account number XXXX ) in my credit report. These issues violate the Fair Credit Reporting Act ( FCRA ) and have negatively impacted my creditworthiness. 

Issues Identified : XXXX. Inaccurate Comments : - XXXX  report includes the following statements : " XXXX included in or XXXX through XXXX  XXXX XXXX, XXXX, or XXXX. '' " CONSUMER STATEMENT : ITEM IN DISPUTE BY CONSUMER. '' " Account was in dispute now resolved reported by subscriber. '' - These comments contradict the information provided by XXXX and XXXX, which offer differing remarks about the status of this account. 

- Furthermore, Experian has failed to provide supporting documentation to verify these claims. 

XXXX. Missing Information on Last Payment : - Experians report does not include any details regarding the last payment for this account, violating 15 U.S.C. 1681g, which ensures consumers have the right to access the complete details of their accounts. 

XXXX. Inconsistent Dates and Payment History : - Last activity : XX/XX/XXXX - Payment history includes : XX/XX/XXXX ( XXXX days late ) XX/XX/XXXX ( XXXX  days late ) XX/XX/XXXX ( XXXX  days late ) XX/XX/XXXX ( XXXX  days late ) XX/XX/XXXX ( XXXX  days late ) XX/XX/XXXX ( " Charge Off '' ) The rest of the months are blank. 

- These delinquencies and the " XXXX XXXX '' designation are contradictory to : XXXX completely blank payment history. 
XXXX history, which shows different late payments and includes several months marked as " OK. '' Laws Violated : XXXX. XXXX XXXX. XXXX ( b ) : Experian has failed to ensure accurate and consistent reporting of data. 

XXXX. XXXX XXXX. XXXX ( a ) : Unverifiable information, such as the " XXXX XXXX '' status, has not been removed as required by law. 

XXXX. XXXX XXXX. XXXX : Experian has omitted critical details about the last payment for this account, denying me access to the complete account information.
Product: Credit reporting or other personal consumer reports

XXXX credit card - a XXXX chase card. I was having a hard time paying it after the interest free period was off they referred me to a debt relief program. I entered into an agreement with them, making payments and boom my account is now reported 60 days late. When I call to get a statement I can no longer receive them because the accounts closed and it will not show up on my online account because the account is closed. I am also not getting consistent information, the reps say the account is 40 days past due despite my on time automatic payment with the debt management company that chase referred me to. This company also allowed a third party to open this card that provided my wrong personal information this is fraud. I can not access my account due to this. Wrong email wrong address. It was a company that posed itself as a financial relief program
Product: Debt collection

I was communicated by this company representing XXXX XXXX XXXX. 
For a debt that should never been made. 

I closed and stop my service with XXXX in XXXX of 2022, when I needed a life threating XXXX XXXX to be done and would have me not to drive for several weeks upto months. 

I reported the cancellation and stop to renew any services with them in XX/XX/XXXX and XXXX 2022 directly to XXXX insurance customer service. I was told on the phone I can not cancel any insurance or renewal due to state laws impacting the need for insurance. I contacted them again on the XXXX of XXXX, XXXX of XXXX and last day of service with them XXXX of XXXX. I did not want a renewal and I was ending my service with the company. 

They did not want me to cancel my service stating that I must have another insurance company with someone else and then I could stop services with them and cancel any renewal. I was angry that they tried to attempt and did deny my request the days before. 

I found an unauthorized charges of over XXXX dollars trying to be debted out of my XXXX XXXX bank account. No authorization was given to debit from my account. I was charged over draft charges and filed a dispute with my bank. The days of my XXXX and weeks of bed rest then a XXXX XXXX issue of XXXX XXXX in my XXXX resulted from the XXXX and time I was hospitalized. In late XXXX to XXXX I answered a letter disputing the said charge from the company representing XXXX for this said debt collection.