23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX SETTLED XXXX/TU Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XXXX/TU/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} REV {$0.00} {$0.00} {$0.00} XXXX PAID CHGOFF XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Vehicle loan or lease

I requested documentation from North State Acceptance to validate account XXXX XXXX specifically a copy of the original contract and the auction receipt for the repossessed vehicle. While they provided the original contract, they refused to provide the auction receipt, which is critical to verifying the accounts accuracy and compliance with applicable laws. Despite my efforts, they have failed to fulfill this reasonable request, leaving me no choice but to escalate the matter. I am now requesting the CFPB to intervene and either obtain the auction receipt or require the removal of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts have been opened fraudulently XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loans XXXX XXXX XXXX XXXX several addresses phone numbers are just not they're not correct and I have been sent information that I was in several my address phone number driver 's license number social security number have all been in several data breaches including XXXX and Equifax breaches
Product: Checking or savings account

I am a Navy Federal member and have been charged fees since XXXX
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and Ive noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my XXXX and credit XXXX.
Product: Debt collection

On XX/XX/year>, I received an alert that a negative account record had been added to my credit report. After investigating, I discovered that Caine & Weiner had placed a collection account on my credit file on behalf of XXXX XXXX XXXX. I contacted Caine & Weiner and informed them that the account did not belong to me and that I had never had any business dealings with XXXX. 

I also emphasized that I reside in a different state and have never lived at the address associated with the account. Caine & Weiner refused to provide me with information about the account over the phone. A XXXX  promised to send me proof of the debt to the address I provided. I also contacted XXXX XXXX XXXX, who verified that I did not have an account with them and stated that they had never provided any information about me to Caine & Weiner. 

I followed up with Caine & Weiner via phone on XX/XX/year>, to inquire about the promised information. I was told that I would need to speak with XXXX. To date, I have not received the proof that the XXXX at Caine & Weiner stated would be sent to me. I believe Caine & Weiner illegally obtained my personal information ( such as my birthdate and social security number ) to fraudulently place the false record on my credit file. 

This inaccurate collection notice has caused me significant financial and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Experian XXXX XXXX are all reporting a balance of XXXX of a XXXX loan that I do n't own that balance the XXXX XXXX XXXX XXXX was suppsoed to pay this amount but have n't payed this is incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my consumer and I recognized that i had unauthorized inquiries and then I reached out to the credit reporting agencies that was reporting the inaccurate information I then proceeded to contact them about the inaccuracies but they refused to remove them
Product: Debt collection

California Business BU will not validate a debt they 're claiming i owe. The report is showing a debt opened on XX/XX/XXXX for XXXX and then again on XX/XX/XXXX for XXXX for services rendered at XXXX XXXX XXXX XXXX. I sent out debt validation request initially in XX/XX/XXXX and followed up with a certified request again in XX/XX/XXXX, as this debt is n't correct or true. As of today, this debt has not been validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint against XXXX 's incorrect negative reporting on my credit reports. I have attempted to have this issue resolved with XXXX 's through filing a dispute with the credit agencies and to no avail. The problem that I have with the statements received from XXXX 's states that my payment due date is on the XXXX of each month ... I am just going to list one of the statements billing cycles as an example ... This is the one that a 30 days late was reported on my credit report for XX/XX/XXXX. The billing cycles shows from : XX/XX/XXXX to XX/XX/XXXX, now from this billing cycle a " consumer '' would think this billing cycle is for XX/XX/XXXX. With that being said, how could my billing due date be for XX/XX/XXXX when this billing cycle goes beyond the XXXX? My next question of concern, how is this cycle billing for the month of XX/XX/XXXX when it covers the month of XX/XX/XXXX? How can XXXX 's expect a customer to make their payments on an account before the cycle ends? 

I feel as though XXXX 's billing and reporting is 'fraudulent '' and very " deceitful ''. This company should not be allowed to impact negatively on a consumer 's profile report and get away with this type of fraud reporting. Perhaps, they should look at how their statement cycles are calculated. 

Overall, I am so unhappy and disappointed with their overall calculating and deceitful reporting ... I am currently in the process of accessing funds so that I will totally pay off this debt and NEVER shop or do business with them ever again. Word of Mouth is very damaging to a business ... It is my intent to apprise any and everyone I can as to how this company chooses to conduct their business.
Product: Credit reporting, credit repair services, or other personal consumer reports

grain XXXX XXXX XXXX XXXX  accounts 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681 c ( a ) ( 5 ) section states no consumer reporting agency can make any consumer report containing any of the following items of information any adverse items of information other then records of conviction.

15 u.s.c 1681 - 2 ( a ) ( c ) 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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate this unverifiable account XXXX  XXXX XXXX Balance {$70.00}.
Product: Debt collection

I sent a letter to CHASE CARD letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and CHASE CARD refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. CHASE CARD provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Product: Credit card

During covid I was offered a program to protect my credit during the covid 19 crisis. During that time I was promised that payments would report paid as agreed. Navy Federal did not hold up their end of the bargain once the program ended I satisfied on my end and they reported late payments during the time I was not to make any payments. Prior to covid and this arrangement I did not have any late payments. This is not fair or accurate.

Navy Federal lied to consumers during covid to collect more interest on credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXXI HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in  question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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. 

XXXX XXXX XXXX XXXX XXXX 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 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: Payday loan, title loan, or personal loan

I have struggled with money as a single mother and I got caught up in payday loans and I did pay on them on time always until I lost my job back in XXXX. I have told them that, but I unfortunately did get XXXX  from the phone calls and not being able to pay or find a job due to pandemic. You can clearly see my history on all of them I was always on time, till XXXX. Now my credit is completely ruined, and I have told them to be patient till I found a job which I recently did. But they have called every single day. I want to get back on track but am behind so I would just like some guidance on how to get help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

ARS ACCOUNT RESOLUTION has continued to put an account on my credit report. I have no idea what it is for, nor have I received any mail from this collection agency. It was opened on XX/XX/XXXX. It now shows on my report as a collection account stating {$1.00}, XXXX past due as of XX/XX/XXXX. I have disputed the account through experian and attempted to reach out to the collection agency for supporting documentation. I am now reaching out to your company for some support. 

Thank you kindly.
Product: Debt collection

Last year, I received medical treatment on XX/XX/XXXX and XX/XX/XXXX. I paid a bill for approximately {$2700.00}. Later, I received additional bills for about {$2300.00}, and taken together all of these bills exceeded my deductible. I called my insurance company and learned that the {$2700.00} bill was never submitted to insurance, so it should not have been sent to me. The insurance company called the provider, who said they would re-submit the bills and correct the totals. I also contacted the provider, which confirmed to me in writing that the bill was not submitted to insurance and that it is working with insurance to resolve the issue. 
Although this issue is still not resolved, I received a letter from a debt collection company called HRRG. I responded in writing that the debt was not owed because of the provider 's mistake, which was in the process of being resolved. I also provided copies of the provider 's written response to me confirming the mistake. Despite providing this evidence, I have received telephone calls and voicemails from HRRG two days in a row now, from two different numbers- ( XXXX XXXX XXXX and ( XXXX XXXX XXXX. At the very least, I would have expected HRRG to confirm the information with the provider, given that I had provided the written statements. Apparently it has not, and instead has chosen to harass me with repeated phone calls over a debt that I do not owe.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized child support delinquency on my Equifax credit report. The account appears under the name " XXXX XXXX XXXX, '' with an account number ending in XXXX, and was reported on XX/XX/XXXX. I have never personally authorized, enrolled in, or consented to any child support program, nor have I provided my Social Security number or personal information for this account. I suspect that this account is either the result of identity theft or an administrative error. 

This fraudulent reporting has caused significant harm to my credit, and I have not been provided any proof of its legitimacy. On XX/XX/XXXX, I initiated a formal dispute with Equifax, requesting an investigation into this unauthorized account. I have yet to receive any resolution, and the account remains on my credit file, impacting my financial standing. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that this fraudulent account be thoroughly investigated and removed from my credit report.
Product: Debt collection

This debt that Im including, was disputed and removed previously. However, the agency keep reporting under other names, the same debt that does not belong to me. XXXX XXXX XXXX XXXX XXXX for {$310.00}. Commonwealth financial/XXXX XXXX for {$2300.00}. Commonwealth Financial XXXX XXXX XXXX XXXX for {$2000.00}. Please assist.
Product: Credit reporting or other personal consumer reports

I am writing to report that my identity was compromised in a recent data breach, and as a result, fraudulent accounts have been opened in my name without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Still on my report ask to be remove immediately
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX
Product: Credit reporting

I see that XXXX charged off an account. They should n't have done that. I purchased a cell phone and service that did n't work. They made me wait and try different methods, try calling out and in but the calls would n't go through or would drop. Then, they agreed to take the phone back and cancel the service no charge. But, later I get a bill for $ XXXX.I disputed it. They claimed it was for one month service, that I made calls. ALL of the calls either did n't go through or dropped in a matter of seconds. They insisted and I disputed the charge. Finally, after going back and forth for months, I gave up and gave in. I paid the XXXX {$87.00}. Now, I find that their horrible business tactics affected my credit score. I want this charge-off deleted, please. It 's not correct. I should n't have had to pay them in the first place.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX, Experian, XXXX credit XXXX XXXX XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of Accounts XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$3100.00}. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 Criminal Complaint # ( XXXX ) 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: Payday loan, title loan, or personal loan

I am a Self account number XXXX. The loan number was XXXX and the CD number was XXXX. 

This loan was paid off, however the proceeds from the CD securing the account were never returned to my account. My account ends in XXXX. I have recently been the victim at multiple situations involving identity theft. This was reported to the FTC. 

The identity thief took control of my Self account change the email address and phone number to their information. They also added their bank accounts for payout. 

I was asked to provide identity information to self which I did. The payout was supposed to occur XX/XX/XXXX. It did not go to any of my accounts. I was told he went to a debit card which I have no idea which is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked on Equifax regarding their data breach and it turns out that I was effected by it. 

Equifax did n't do their due diligence to ensure my personal information was safe and I am now potentially at risk of credit fraud.