23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 I received a Debt Collection Notice from Midwest Recovery System : for {$760.00} in my name, originating from XXXX XXXX. It says the loan originated on XX/XX/2020. It was reported on my XXXX  credit report under my ssn and had negatively affected my credit score. This loan is NOT mine. I believe I was a victim of a scam or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I received notification about a {$52.00} bill in collections that I never received in the mail stating the date of service was in XXXX. I had never heard of the original company listed so I disputed it on my XXXX XXXX account where it was removed from both listed bureaus. In XXXX of XXXX, I received another notification where the same bill was listed and added to my credit report again, once more without any bills in the mail or anything stating what the bill was for. I disputed it again where it was removed from my XXXX account but is not being removed from my XXXX. I attempted to call the collections company to see if I could get a breakdown of the charges to understand where it was coming from and either the numbers I tried would not go through or I would be hung up on before getting to speak to a live person. This is becoming extremely frustrating and I would like this mystery bill to be removed.
Product: Student loan

About XXXX, my spouse and I were encouraged by our lenders to consolidate our Direct Loans into one large Joint Spousal Consolidation Loan. We were advised that our payments would go down as would our interest rate. We quickly found our payment increased and the interest rate went to 7.8 %. Our Loans then became XXXX  Loans. 

As both of us are public servants, the MOMENT the Public Student Loan Forgiveness program began XXXX, we enrolled. At no time were we ever told we were not eligible for the program! We would faithfully resend out application every year because we were so afraid something would go wrong. we rarely received a response to our application and usually it was only a 'thank you we received you paperwork ' type of letter. 

Then in about XXXX, after faithfully paying for almost SIX YEARS, we were told we did not qualify for PSFL, as our loans are XXXXXXXX Loans and make us ineligible. At NO time were we ever told that we would not qualify for the program until then. We were crushed but continued to make timely payments to the exclusion of helping to pay for our childrens education ; forcing them to take out student loans of their own. 

We've prayed that something would change, and because we believed in the PSLF program, we both choose to stay in Public Service, forgoing other potentially more lucrative positions. 

In the last few years, we were advised by FedLoan to consolidate our XXXX Loan into a Direct Loan thereby making it PSLF eligible, but of course, our clock would reset to zero. Then we were told we could not do that because our Spousal Consolidation XXXX  Loan makes us ineligible for Direct Loan consolidation so " Don't bother ''. 

Our loan debt is currently a crushing {$160000.00} with a monthly payment of about {$1500.00} ; which we over pay every month. We have always felt paying the loan principle was fair, but we can not ever rise above the capitalizing interest! In XXXX we owed {$150000.00} and today, in XXXX we owe {$160000.00}!!! 

We have trusted FedLoan and our many servicers to guide us but we have been given 22 YEARS of miss information every time we call. We trusted the Department of Education and FedLoan to honor the PSLF for EVERYONE who faithfully followed the rules, but we have been left behind yet again, unable to have our XXXX SPOUSAL Consolidation Loan forgiven even after 16 years of faithful payments and decades of public service. 

The XXXXL SPOUSAL Consolidation Loans must be PSLF eligible but we do understand this will take a bill to be passed. FedLoan has given us, and many, many other people wrong advice and we have all suffered for it. We would NEVER have considered Joint consolidation if it hadn't been suggested to us as a smart move by The Fedloan persons we spoke to.
Product: Credit reporting, credit repair services, 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 Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  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 take 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

I recently discovered inaccuracies on my report that are unfairly affecting my scores and limiting my financial future. Its incredibly frustrating to deal with setbacks caused by incorrect information.
Product: Credit reporting or other personal consumer reports

I have an account with XXXX that's for a XXXX vehicle, XXXX and transunion are showing conflicting days on when this account was open, according to the fcra your duty is furnishing information that is accurate and complete, and investigating consumer disputes about the accuracy of information you provide. 

this account is showing different open days which means the reporting is not accurate and the balance on this accurate isn't accurate or complete, I want this account removed form my credit report, I am putting both credit agencies on notice, I do intend to sue.
Product: Debt collection

I went to XXXX XXXX medical center in XXXX a few years ago around XXXX. My experience there was TERRIBLE while on the bed trying to explain what was going on the Dr. Told me I have patients that are dying and that's more important than what's going on with you. She proceeded to walk out and I was discharged while still in pain and nothing was done. My insurance paid for this incredibly neglectful service. As of XX/XX/XXXX the same hospital sends me a collection bill of {$1500.00}. Again I have not one but two insurances, one of my insurances alone covered the entire bill. The dispute was found to be correct my insurance paid this contract but yet they are still going after me for this amount and my credit score has been affected for almost two years as this is the biggest debt I have in collections. It was filed incorrectly, and they are coming after me vigorously and maliciously for a debt that was already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize none of the following inquiries on my credit report and I do not recognize them. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Professional Finance # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX  account # XXXX and Account no # 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX which is a company extending offering of credit has violated my constitutional rights under 15 U.S.C. 1681. I have submitted disputes multiple times to the Credit Bureaus and to XXXX XXXX due to the improper reporting of credit and inaccuracies of my credit report. 

Account with XXXX was closed on XX/XX/2024 after notifying XXXX to effectively shut the account down. XXXX notified Transunion that the account was closed on the above date. XXXX failed to notify the other Credit bureaus of the account being closed and has multiple credit inaccuracies that they have failed to address effectively violating my rights. 

XXXX shows XXXX as being currently open and active and has an update on XX/XX/2024. XXXX shows all payments have been made on time without issue. XXXX shows that a payment made for XXXX of 2024 was not made and has no payment history. 

Due to the consistent credit inaccuracies this has affected my ability to obtain credit and has violated 15 USC and my constitutional rights. Multiple discrepancies are located on XXXX as well proving that XXXX has failed to follow 15 USC and properly report credit to protect consumers.
Product: Debt collection

I have sent correspondence to the original creditor XXXX multiple times, a 3rd party collection agency and now this company Radius global solutions. I have requested that they send me something bearing my signature on it showing I have contracted with them and owe them something. They have sent me statements, not any documents with my signature on it. I received a letter from Radius global solutions stating they expect this matter to be resolved by XX/XX/2019 and the letter is dated for XX/XX/2019. The expected resolution date is unacceptable as this is hindering me from obtaining credit and being asked to pay something without viable verification. XX/XX/XXXX is way beyond the 30 day period as that is required by the FCRA. I am also requesting that they do not send me statements!
Product: Student loan

I have made repeated attempts to access the assistance services that my lender advertises to me. They have the normal deferance, and they have a skip-a-payment program. I've called and talked to a couple of people over the last week, and they say they will send me the paperwork to fill out and submit, but they haven't sent anything, I call back, same thing happens. Meanwhile they have dinged my credit and add on fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letter to transunion asking for verification and validation. I have received my reports back and they did not prove the account is reporting correctly.I have no record of the above accounts and I am demanding that they disclose all of the documents upon which they are relying on, for the reporting on account ( 1 ) above, collectively referred to as account. In accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records the requested records. The information they are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting.They is in violation of the FCRA.
Product: Vehicle loan or lease

Affidavit of truth Dear XXXX XXXX XXXX I XXXX XXXX XXXX hereby rescind to be liable or compelled to perform on the contract and agreement I entered with XXXX XXXX dealership on XX/XX/XXXX. 

I entered into this contract agreement with XXXX XXXX dealership without : 1. Full disclosure of my right to rescind. 
2. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ).

3. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). 
I have reason to believe that XXXX XXXX dealership willingly and knowingly took advantage of me and my consumer credit. 

I am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor, as I have found several violations and fraud. Notice that pursuant to 15 U.S.C. 1635 ( b ) : upon receipt of this rescission, I am not liable for any finance charge or other charges. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such rescission. 

In addition, I was given false and deceptive information, as I was informed that a down payment of {$4600.00} was needed for me to drive off the lot. Notice that pursuant to 15 U.S.C. 1635 : within 20 days after receipt of notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction and placed on the property which in this case is a XXXX XXXX XXXX vin # XXXX. 

Pursuant to 15 U.S.C. 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. 

Pursuant to 15 U.S.C. 1611 ( 1 ) ( 3 ) : one can be fined up to {$5000.00} or Dave imprisonment for up to one year or both, for giving false or inaccurate information or fails to provide information which he is required to disclose. In this case you, XXXX XXXX XXXX willfully violated this law when you failed to disclose and provide all information clearly to me as a consumer. 

Your failure to comply with this rescission will result in civil liability for fraud pursuant to 15 U.S.C. 1640. 

I will also follow up with an invoice for said violations ( {$1000.00} per violations ) Furthermore the overall payments of {$47000.00} shall be made by check or money order payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Without prejudice. All natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ATTENTION! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX INFORMATION SERVICES LLC Subject : Dispute of Collection Accounts From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the existence of a collection account under my name, as reported by your agency. The account in question is identified by the account number XXXX XXXX XXXX XXXX. I believe that this collection is illegal and should be removed from my credit report due to several reasons, including but not limited to the fact that it pertains to a past due balance. 

I have several concerns regarding this collection account : 1. Lack of Verification : I have not received any valid verification or validation of this debt from your agency, despite my previous requests. Under the Fair Debt Collection Practices Act ( FDCPA ), it is your legal obligation to provide verification of the debt when requested. To date, I have not received any such validation.

2. Reporting Inaccuracies : I have noticed inaccuracies in the reporting of this collection account on my credit report. These inaccuracies have a negative impact on my creditworthiness and may violate the Fair Credit Reporting Act ( FCRA ).

3. Statute of Limitations : I am aware that the statute of limitations for collecting this type of debt has expired, making any collection efforts unlawful. It is essential that your agency adheres to the legal limitations when attempting to collect a debt.

4. Failure to Provide Proof of Ownership : Your agency has not provided any evidence demonstrating that you are the rightful owner of this alleged debt. As per the FDCPA, I have the right to request proof of ownership.

I kindly request that you conduct a thorough investigation into the validity of this debt and provide me with all necessary documentation, including the original debt agreement, proof of ownership, and a clear breakdown of the alleged debt. I also ask for the immediate removal of this collection account from my credit report while this dispute is being investigated.

Failure to comply with the above requests will compel me to take further legal action to protect my rights and rectify this situation. I understand the importance of resolving this matter promptly and am willing to cooperate with your agency to facilitate a swift resolution. 

Please consider this letter as my formal dispute and request for the removal of the collection account. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX XXXX XXXX  Enclosed : are supporting documents
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number # XXXX Date opened XXXX, XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account number # XXXX TDRCS/CARTIER Account number # XXXX this is the result of identity theft and fraud, remove all listed inquires and accounts within XXXX business days of you receiving this complaint. These accounts have resulted in several fraudulent accounts appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, inquiress, collections, 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 ) 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: Debt collection

THE AMOUNT THAT THEY SAY THAT I OWE IS WRONG IT WAS NOT THAT MUCH EVEN WITH THE LATE FEES ADDED TO IT
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Bank was informed that I was selling my house and they were going to receive the full payment of the HELOC, however, they didnt provide an on time pay off letter and asked me to stop by a branch in order to get it, when I work and I cant leave my job by the time theyre open. When the title agent/attorney finally got it. They didnt want to close the account since I had to stop by a branch in order to do it myself. I have 3 HELOC and none of the other 2 asked me to do such thing. The closing of my house fell off due to this and another thing. And the account when past due. I called them and asked them to please give me a time to put the money together since I spent a lot of money in the closing of my house. They told me they were giving me the time to prevent my account to be reported as late. By the time I was in the phone with them, they reported my account late 30 days and I saw it in my credit report alerts. Immediately asked for a manager in order to fix this issue and I was denied to have a manager on the phone since they were available. I processed the payment and ask them to remove the report understanding that it wasnt my fault about the fall of the closing on my house and that the 30 days late report was going to affect me financially. Being not my fault and the agent understanding we agree that they were going to submit and claim in order to be reviewed and erase. I has never received such claim and when I called nothing was open. They lied to me and I asked the last agent to open a claim a let the manager listen to the conversation with that agent where she promised me to remove the report and to open the claim she never opened. I need to removed this late payment since it is affecting my life very hard and I already submitted the payment. Plus I need to make her responsible for what she promised me. 
Their app is useless since I couldnt check the right balance and the information required plus it doesnt allow you to do much. Totally useless Thanks for your cooperation and help with removing this late payment from my credit report XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple CFPB complaints I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent acccounts on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA section 605b, I am requesting that you remove the following fraudulent accounts completely from my Credit File : EXPERIAN : XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX  XXXX Balance Owed : {$0.00}