23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Cavalry SPV I , LLC ( serviced by Cavalry Portfolio Service ) purchased a debt that originated with XXXX South Dakota. XXXX South Dakota was merged with XXXX XXXX as of XXXX/XXXX/XXXX - coincidently the same time period that the debt shows as being charged off ( XX/XX/XXXX ). My XXXX report dated XX/XX/XXXX shows the account being reported with Cavalry will fall off on XX/XX/XXXX and XXXX it shows it will be on my report until XX/XX/XXXX. This debt had a 1st delinquency date XX/XX/XXXX, with a charge off date with XXXX South Dakota much earlier than when reported by XXXX XXXX. I disagreed with the balance that Cavalry is reporting, in addition to the dates provided on the reports. I have disputed this debt with all three credit bureaus - XXXX, XXXX and XXXX, not once but twice, with the credit bureaus responding that the debt has been researched and no changes to the report. Then on XX/XX/XXXX, a new merged credit report was pulled showing all three credit bureaus - the Cavalry debt is now reflecting a last delinquent date of XX/XX/XXXX, a last payment date of XX/XX/XXXX, and a last activity as of XX/XX/XXXX. This is completely different information that was being previously reported and/or what is reflected on their letter they provided to me. It appears that they are trying to re-set the date - or at the very most change the time period of how long it will continue to be reported on my credit bureaus. I have attached copies of all documents mentioned in this complaint. I would like Cavalry to report correct information to all XXXX credit bureaus, or remove the debt from immediately from all XXXX reports. Thank you for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit based on information contained in the credit report provided by Equifax. I went to obtain my free credit report due under the Fair Credit Reporting Act. There is no active link anywhere on their site to obtain this report. There are links to the Annual Credit Report Site, lots of offers for paid scores and credit monitoring, but nothing for denied credit. I followed the most likely links.  In one case, it ref erred to the home page Equifax.com, but was not linked. I went through th e FAQ 's. The re is info about how to dispute information, but not how to obtain the report. I finally found a link to a FCRA report, but this returned a 404 Page Not Found error. ( with more advertising for paid pro ducts ).      The Credit reporting agency information : Equifax  XXXX   XXXX   XXXX   XXXX , GA  XXXX  This occurred  X/XX/2017    at approximatly  XXXX   XXXX  CDT ( BTW  XXXX  's website had comparatively clear link.  XXXX  was not used f or Denial of Credit,  so I have not attempted to obtain the report from them )
Product: Credit reporting or other personal consumer reports

Read attached. My FTC IDENTIY THEFT REPORT AND POLICE REPORT IDENTITY THEFT & FRAUDULENT SCHEMES AGAINST XXXX XXXX 1. XXXX XXXX opened 2 extra fake credit card accounts using my SS # and charging off my credits to the IRS is fraud. Delete these FAKE accounts off my credit reports. 
2. XXXX XXXX owes me {$1600.00} for false billing line entries on # XXXX & # XXXX credit cards part of XXXX XXXX Fraudulent credit card take over scheme after their XXXX  data breach is XXXX XXXX credit card fraud. Overe 100 false billing line entries to steal {$1600.00} is THEFT. 
3. Attached XXXX Police report charging XXXX XXXX with Identity Theft and fraudulent Schemes. 
4. Experian and XXXX XXXX used my SS # to change my legal name : XXXX XXXX XXXX to several fake names is identity theft and fraud. 
5. Experian is conspiring with XXXX XXXX & is FRAUD. 
XXXX XXXX to pay me {$1600.00} Experian to delete all fake names except my legal name : XXXX XXXX XXXX Experian to Delete both XXXX XXXXXXXX FAKE accounts. 
Experian to USPS mail me hard copy of LEGAL credit report and increased credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Score has not updated in months even with improvements.
Product: Debt collection

My information was compromised with XXXX XXXX XXXX XXXX XXXX I have several items Im not associated with thats showing I owe a debt to
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

each time I send a dispute letter to the credit bureaus they either dont reply or they send back a letter stating they couldn't find me. Even though I provide my full name, address, and SSN #.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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.
Product: Credit card or prepaid card

On XX/XX/XXXX I ran across an advertisement for XXXX XXXX XXXX XXXX claiming this LLC would help a person obtain their Vehicle Dealers License, the owner directed me to the companies website at XXXX based on the services the owner, XXXX XXXX he told me that I qualified for the Skinny Package for {$2400.00}, I told him I already had an office, and my own XXXX, so he I didn't need those particular services rendered to me by his company and he verbally agreed. 

XXXX XXXX, advised me to purchase the " XXXX XXXX '' on line and stated that I would receive the following services, ( 1 ). Dealer App Review, ( 2 ). Occupational Expedite, ( 3 ). City Business License Expedite +Fee, ( 4 ). Bond Referral and ( 5 ). A XXXX XXXX. XXXX XXXX insisted that I pay with Apple Pay, but I I told him that I only had an Apple Master Card, I paid the full price of {$2400.00} and 2 months had passed without XXXX XXXX rendering me any kind of service. 

I immediately disputed the transaction with my Apple Card service provider, on three different occasions, ( 1 ). on XX/XX/XXXX, ( 2 ). XX/XX/XXXX and ( 3 ). XX/XX/XXXX. I have proven that no service has been rendered, by XXXX XXXX XXXX XXXX and XXXX XXXX couldn't provide Goldman Sachs with a Lease containing my signature since I told him in advance that I already had an Office Space. Goldman Sachs aka Apple Master Card has yet to clear this dispute or render a decision in my favor. 

I went to the XXXX XXXX Police Department to file charges, and met a Woman there for the same reason, only difference is that XXXX XXXX XXXX XXXX charged another consumer {$11000.00} for the same service they claimed to have offered me and they told us that both cases were civil.
Product: Debt collection

I am writing to you with an escalating sense of outrage and frustration concerning the fraudulent accounts that persist on my credit report. It has become abundantly clear that despite my repeated disputes and relentless efforts to rectify this matter, these fraudulent accounts continue to mar my creditworthiness. This blatant disregard for my financial integrity is intolerable and necessitates immediate and decisive action on your part. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX - XXXX XXXX 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XXXX Of XX/XX/XXXXi was XXXX XX/XX/XXXXand XX/XX/XXXX by a individual staying at a hotel in XXXX XXXX NJ, with that being said my wallet was stolen and my computer and phone. i had reported to the police and there's a large investigation going on regarding this matter. 

I was and still am mentally not okay and been trying to recover from this the best way i could.but a couple of days or weeks using my online debit card to make purchases I began seeing charges on my card and I started to report them to Chime which is well was my banking institution. the first charge was at a XXXX XXXX. the charge was for XXXX and then a couple of more for the same prices but only one was clear at the moment. i filed a dispute on that one which is what the bank told me to do and it got approved. and i received my funds back. 

A couple of days later i filed the rest of the dispute which added up to XXXX all form the same merchant XXXX XXXX. but this time around i was denied for a dispute i filed a week before and was approved for, so i put in the dispute again and again denied. I have submitted a police report, i sent a letter from the merchant themselves saying i am not the one that set the charge. that my card and id was used by someone else. as well i gave hospital records sayin i was in the hospital during the time of the charges recovering from the attack. and still denied i been submitting this rebuttal more than 15 times in the past year and continue to get denied with as much documentations given. all my other financial banks had repaid me for any unauthorized charges but chime does not get it was not me using my card and they are stating i was using my card around the area of the location of the charge, and that's because i lived 4 blocks away form the motel, the motel is known for drug addicts and illegal conduct. which is where they found my attacker after the attack and i was using my account it wasnt with the card but my online wallet on my XXXX account i had no money or cards after my attack so i had to use my ewallet to get money.. i have not use chime since because i can't believe after all that documation given they cont. to deny me. it sickens me because they making me fall like i am lying about my attack my complaint is with CHIME BANK
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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

I am currently in the process of reviewing my consumer reports and noticed many inaccuracies regarding Account XXXX XXXX  including but not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681e - Compliance procedures states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete for the consumer report for violating compliance procedures. 
Thank you in handling this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history is inaccurate and the dates tagged as late also the balance were incorrect and unverifiable.
Product: Credit reporting or other personal consumer reports

Dear Experian Executive Office, I have been reaching out for some time regarding issues with my credit report, and resolving this has been quite a challenge. While I appreciate that progress has been made, I want to emphasize the importance of this issue and the urgency of fixing it. 

My XXXX credit report shows an account from XXXXXXXX XXXX that does not belong to me. This situation is a case of fraud and identity theft. I have previously sent multiple letters to you regarding this matter, requesting the removal of this account from my credit report. I have attached several of those letters from XXXX for your reference, and I hope you can finally remove this invalid account. 

This appears to be the last erroneous account on my XXXX credit report. Once it is removed, I will return to a more average credit standing. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute the following negative accounts on my credit report. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

In XXXX I have purchased multiple commercial lawnmowers for our XXXX XXXX XXXX. I have had repeated issues with the lawn mower, that the manufacture would not support even though it was under warranty. This was a large purchase around XXXX for the lawnmower. I have also tried to reach out to Synchrony Bank as well for support with no resolution. The lawnmower was unusable and after a few years I stopped making payments. The lawnmower was about 80 % paid off already. I stopped making payments around XX/XX/XXXX. Synchrony / XXXX is still being reported on XXXX XXXX XXXX. I have multiple times contacting the credit bureaus and they refuse to remove this outdated derogatory item.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor XXXX XXXX XXXX ) has violated my rights under 15 USC 1681 section 602 states I have a right to privacy, 15 USC section 604 ( A ) sec 2 a consumer reporting agency cant furnish my account without my written consent which I did not provide and with out this information this account should be deleted immediately.
Product: Debt collection

Several years ago XXXX XXXX XXXX installed two new internet accounts at a service location for me. They sent a third installer through some scheduling error. The third installer was sent away never having installed anything. The two accounts opened were always paid as agreed and eventually closed. XXXX XXXX XXXX never activated the third account but would not close the account because " without activation it did not exist. '' They put the installation fee of {$100.00} on the account balance. I could not " close '' an account i did not have open and they would not remove the balance without " closing '' the account. Eventually they sent the account to a collection company who inflated the amount and tried to collect. All of this information was given to the credit reporting agencies who removed the negative collection account from the record. The collection company then sold the account to ERC collection company. Who put it back on record with the reporting agencies. I repeated the dispute through the reporting agencies who removed it yet again. We are now locked in a cycle where ERC reports it and i dispute it successfully about twice a year. However this constant replacing of the negative collections is now the only negative thing on my report and is affecting my apparent creditworthiness, costing me much money and frustration all over an account that NEVER existed.
Product: Mortgage

At the end of XX/XX/2021, we were approved for a refinance of our existing mortgage loan. It is already thru Bank of America. The closing costs were estimated at around {$7000.00}. We disclosed that we wanted to pay all closing fees out of pocket and also that property tax is due in XXXX We were assured that there were no hidden costs and that we were okay on only having partial property tax included in the closing costs even though property tax is due in XXXX XXXX and that we would close at the end of XXXX. The closing date was scheduled for XX/XX/XXXX. We provided all financial docs to confirm we had the required amount plus funds to cover 2 months of mortgage payments. Now almost 2 months later, they changed the closing costs amount 2 times because they did not calculate it accurately and we called them on it. They tried to include some of the closing costs into the new loan amount without telling us. When we said again that we were paying all up front, they were now asking for more funds to be in the account because they wanted the full property tax for the year. And when we agreed to the new amount of {$11000.00} in closing costs, they still said they could not close us by the end of the month. Also, the loan officer said that we dont need to pay XXXX mortgage payment as we were going to close on XXXX XXXX so we did not. Thankfully we had that money on the account to make mortgage payment timely. So we decided to withdraw our application. This process was painful, long, dissatisfying and it felt like they were trying to take advantage of us and hide costs within the new loan balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving no response to our letters disputing charges to our account stemming from a fraudulent charge, we filed a complaint with CFPB. 
As a result of this complaint we received the attached letter dated XX/XX/XXXX from Elan Financial Services stating that : 1. They were removing the late fees and charges that they had added to our credit card account as a result of a fraudulent charge.

2. They were restoring our credit limit. 3. Acknowledged that our account had a zero balance. 4
. They had reported to the consumer reporting agencies XX/XX/XXXX that no payments were made past due. 

I checked my credit score at this time and found that it had greatly increased. I checked it again recently and found that my score had dropped dramatically. 

After searching my credit report I found that Elan Financial Services had falsely reported our account for having 2 late payments. ( One for XX/XX/XXXX and the other XX/XX/XXXX.
Product: Student loan

Previously, I had filed a complaint In reference to the university, and navient /sallie Mae . 
I still have not received any documentation showing, where I had needed, requested and signed for any loans. 
I originally stated that I did not need any loans, I did not request any loans, and I did not sign for any loans. 
I did not sign any promissory letters. 
It is amazing how all these organizations are avoiding that topic. They also fail to provide any contracts with signatures, that they say they have. I would really love to see them.