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

To Whom it May Concern : NCC is furnishing inaccurate negative information to the credit reporting agencies in violation of the FCRA. On XX/XX/XXXX, I pulled my credit report in connection with applying for a mortgage. My credit report indicated a collection from NCC for a debt with an alleged date of first delinquency of XX/XX/XXXX that was assigned to NCC from XXXX XXXX XXXX on XX/XX/XXXX. This debt is not valid. I do not owe this debt and it is being reported illegally. I fully complied with my lease with XXXX XXXX  and left my rental apartment in the same condition that I received it, per the terms of my leasing agreement. I did not owe any outstanding balance when my lease ended and I vacated the apartment. When I received a cleaning bill from XXXX XXXX, I contacted the management company ( XXXX  ), as well as its Attorney, XXXX XXXX. I sent several emails attaching photographs of the apartment as I had left it and asking for evidence that the apartment required a cleaning fee for anything beyond normal wear and tear. XXXX XXXX provided no evidence to justify its bill despite our requests. My wife, an attorney, also left two voice mails for Mr. XXXX, as noted in the attached email chain. 

Since XX/XX/XXXX until XX/XX/XXXX, I heard nothing from XXXX XXXX/ XXXX or NCC. I never received a debt validation notice despite the fact that my wife and I have had the same phone numbers and emails since XXXX. 

As a result of NCCs inaccurate furnishing and other FCRA violations, I am suffering monetarily and emotionally. I am currently trying to get a mortgage and have been advised by my bank that this collection is negatively impacting my credit and resulting in a significantly higher interest rate. I need this invalid collection to be deleted from my credit reports immediately.
Product: Credit reporting

I disputed a collection account with Transunion, the account is from XXXX, XXXX, XXXX XXXX XXXX XXXX. Transunion verified the information, but has failed to respond to my request for their method of verification as the information is not correct. In addition, the account is being reported as open with a balance, but the attached screenshot shows it was closed in XXXX 2013. In addition, it states the original creditor is " XXXX XXXX XXXX XXXX '', but I contacted them and they said I do n't have a balance with them. I do n't see how they could have verified this information was correct.
Product: Credit card

I am disputing the collection account with CAPITAL ONE AUTO FINAN, account number XXXX, dated XX/XX/year>, with a balance of {$11000.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX credit inquiry XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX- credit inquiry XX/XX/XXXX I have no knowledge of this. I have never tried to get a mortgage of any kind. Called company and spoke with rep to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XXXXXXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

Capital One XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information.
Product: Debt collection

I repeatedly get calls from XXXX. They even called my husband and my brother in law on XX/XX/XXXX. They discussed my information with my brother in law. I called them back on XX/XX/XXXX. XXXX to the number left on my voicemail XXXX reference number XXXX and spoke with a guy by the name of XXXX XXXX. He told me this was an attempt to collect on a XXXX  XXXX account {$1200.00}. He offered a settlement of {$740.00}. He put me on hold then transferred me to a rude and nasty lady name XXXX. She wanted my credit card info to set up auto pay. I said I spoke to XXXX who was suppose to email me debt validation and agreement to make monthly payments. She said no we need your card information first before we can send you anything. I told her no. Then she threatens to contact my employer. I told her I'm not employed. I asked her to stop calling my relatives putting them in my business. She said you need to call back when you can pay, then she disconnected the call.
Product: Debt collection

They call me all the time, leave voicemails, but today in particular, they called me twice within 25 minutes while I am at work.
Product: Mortgage

I have a mortgage whose principle is currently at 79.4 % of the original value of the property. I asked the lender to drop PMI but they originally told me that I had to be at 75 % LTV - after calling and getting passed around a XXXX times it seems as if they finally fixed it to reflect the proper % but they refuse to have a manager call me back or drop the PMI without using their appraiser which will be an unrefundable cost to us somewhere between $ XXXX no matter whether they decide to drop it or not. I have requested they tell me the amount I need to pay down on my loan instead of throwing money on an appraisal that is worthless as even if you look at XXXX the property has increased in value by $ XXXX since the original loan date. There is no good way to talk to a live person, they pass you around from uninformed person to another uninformed person and all I want is somebody to tell me what amount I need to pay towards my principle to drop the useless PMI fees. We have never been late and we always pay more than the minimum on our loan and just need to understand ( besides throwing money away for a useless appraisal ) what we need to pay to drop PMI.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024, I purchased a musical instrument from an online retailer called " XXXX, '' which appears to have been a misspelling of " XXXX. '' I trusted the transaction because the payment was processed through Affirm, which typically assures a level of merchant credibility. 

After completing the purchase, I received a confirmation via a generic XXXX account, which initially did not raise concerns. However, when no information about the shipment was forthcoming and my subsequent inquiries received no responses, I revisited the site to find it was no longer operational. I reported these issues to Affirm immediately, emphasizing my inability to contact the merchant and the disappearance of their website. 

Affirm initiated an investigation, which concluded on XX/XX/2024. The outcome stated that " the merchant did not act outside of their policy '' and held me responsible for the full payment of the loan. This decision was communicated without any substantial evidence of a thorough investigation, and it ignored the critical fact that I had not received the purchased item nor had any contact from the seller post-purchase. 

I suspect that the investigation by Affirm was insufficient and did not genuinely address the potential fraud involved. As a result, I am facing the financial burden for a transaction where the goods were never delivered, and the seller seems to have engaged in deceptive practices under the oversight of Affirm. 

I am seeking the CFPB 's assistance in this matter for a fair resolution, which should include the cancellation of the loan and a re-evaluation of Affirm 's practices regarding merchant validation and consumer protection.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. Please delete the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) AMOUNT {$380.00} XXXX XXXX ( XXXX ) AMOUNT {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had unauthorised/ fraudulent activity on an XXXX XXXX XXXX account from 2017 which was never investigated but was reported to chexsytems as overdrated and owing {$450.00}. XXXX XXXX XXXX never even did an investigation as stated in contract before providing this inaccurate information. The charges & fees were an result of the fraudulent activity that was never legally or properly investigated which is illegal. Their contract stated any fraudulent activity would be investigated by was not which is a breach of contract on their behalf and illegal to do to an consumer by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is refusing to allow me access to the information that they have on file for me regarding a collections account with XXXX XXXXXXXX. I do not even know what the charge is for. Every few months I dispute it. They then perform a cursory investigation ( one time it only took them1 day to do the investigation ). I have called them and asked for the information contained in the file and they have told me that they will not send it to me. I would like to know what the charge is for.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX Bank XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XX/XX/year> ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX has falsely reported two on-time payments as late. 
In XX/XX/XXXX the account was part of a covid-19 forbearance loan modification that required 3 trial payments, and upon the successful completion of the trial payments my account would leave forbearance. They marked the final month as 30 days late even though it was paid on-time without issue. Again in XX/XX/XXXX they did the same thing. They contacted me about a loan modification to change the amount I owe and the interest and term length of the account. This again required three trial payments, and on the second trial payment they falsely, again, marked my account as late. This is in spite of the payment portal saying my next payment was moved due to the trial program. Their computer falsely reports payments as late while not asking you to make payments. This is fraud, and borderline criminal extortion.
Product: Debt collection

First of all, I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. Now to tha main problem, I am writing to address a critical matter concerning my credit report. Upon careful examination, I discovered that there are accounts currently listed on my report that have already been removed by XXXX and XXXX due to identified errors. I am perplexed by the inconsistency in your verification process, which has resulted in the retention of these accounts in your records. XXXX and XXXX have acknowledged the existence of errors and promptly removed these entries from their records. It raises serious concerns about the accuracy and reliability of your reporting procedures, considering that the other bureaus have already rectified this discrepancy. The disputed accounts are as follows : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

I have a student loan for a XXXX school that went to collections. TFC Corp closed the account and transferred it to XXXX XXXX for collection and I am paying XXXX payments. However Tfc still shows I owe them as does XXXX for the same loan on my credit report. I told XXXX I can not owe both for the same loan and they say when I pay them off tfc will then say my debt to them is clear. I think they are actually the same people in reality. I can only get voicemail at tfc and they will not call me back. How do I even know when I pay XXXX off that tfc wo n't say but you still owe us? I ca n't owe both for the same loan, it shows I owe double the loan amount on my report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$1400.00} Date Opened XX/XX/XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$11000.00} XXXX  XXXX  Date Opened XX/XX/XXXX Balance {$9700.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$6200.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$4500.00} XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

I am receiving a derogatory/negative remark on my credit report for this creditor for money I do not owe. I am unaware of this account and monies owed. This creditor is negatively and incorrectly impacting my credit report for a balance of {$740.00}. I ask that this be removed once and for all.
Product: Credit card or prepaid card

Back in XXXX I went to XXXX XXXX to get XXXX XXXX XXXX   treatment. XXXX XXXX is partnering with Greensky offered me a loan of {$930.00}, stating that treatment will remove all visible XXXX XXXX on my XXXX. They charged the payment card BEFORE providing any treatments. After 3 session of treatments I did not see any results and made complaint to Greensky XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, GA XXXX and XXXX XXXX, raising my concerns. None of them were willing to cooperate. 
I went to another provider, who actually was able to provide a treatment that worked, and as the result incurred additional expenses. 
Greensky stated in writing the following : If you are dissatisfied with the goods or services that you have purchased with your payment card, and you have tried in good faith to correct the problem with the merchandise, you may have right not to pay the remaining amount due on the purchase. 
I have contacted Greensky back in XXXX and XXXX, stating that indeed I am not satisfied with the purchase and I tried in good faith to resolve this with the provider, I want my money to be refunded. Greensky is not fulfilling their contractual obligations and loan agreement. Please see attached complaint to XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ALLY FINANCIAL completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX, XXXX to remove these inquiries and all attempts failed.