23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX and XX/XX/2023 a hard credit inquiry was made by Equifax XXXX. I have not inquired about any credit or loan products in XXXX or from Equifax and am worried that this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, have 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 a account without my written instructions
Product: Credit card

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several account billing errors with XXXX XXXX XXXX XXXX in accordance with the fair credit reporting act this Company has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. I know that an account a written list of transactions, noting the money owed ( top part of the statement ) and money paid ( bottom part of the statement/dividend check ) : a detailed statement of mutual demands arising out of a contract or a fiduciary relationship. An account can simply list payments, losses, sales, debits, credit, and other money actions, or it may go further and show a balance or the results of comparing site transactions, like purchases and sales coupon is a definitive bearing interest instrument associated with a U.S. Treasury bearer security. 31 CFR 358.1 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 USC CHAPTER 41, SUBCHAPTER III ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term " consumer reporting agency '' means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term " file '', when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
Product: Debt collection

I have requested validation of the account that has been attempted to collect on from this collection agency ( XXXX XXXX XXXX ), and I have not received anything postal mail. It has been well over 45 days since original request was sent. First attempt XX/XX/XXXX and Second attempt XX/XX/XXXX. The collections amount listed on my credit monitoring site for {$680.00} and {$370.00} and I was never aware of such debt in writing.I specifically asked for a signed agreement and other supporting documentation. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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, credit repair services, or other personal consumer reports

I have tried several times to have 'Healthcare Collections ' accounts removed from my XXXX report. These have been removed from both of the other agencies. I asked for documentation to be sent to me where I signed originally for this collection and they have not honored that request. Additionally all the credit bureaus continue to report my XXXX bankruptcy. My score never goes above XXXX points and I feel the system is targeting me unfairly. There is no clear path to increase a score, no bureau offers any help with this or program to do this yet it impacts every aspect of my life!!!! This score has held me back from owning a home. Caused me to get denied for housing in apartments. Caused me denial from jobs. This score impacts my ability to feed my family. These bureaus have to much control over my life and give me no help in increasing this number in any way at all to better my situation. I am thinking of suing the companies for this reason as this has caused much XXXX  anguish for me over the years and is bearing heavy on me XXXX daily. Something needs to be done to help us get these scores raised!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ive submitted enough information regarding the fraudulent account thats 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 e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve 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 XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt 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 XXXX in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont 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 Im 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 SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection from Credit Corp Solutions a total of four times to XXXX Credit Bureau stating this account does not belong to me. My 4th dispute sent via certified mail, XXXX received it on XXXX/XXXX/21 at XXXX. On XX/XX/XXXX2021 at XXXX XXXX notified me via email that my dispute was open. On XX/XX/XXXX21 at XXXX, just a few hours later I received an email stating my dispute results were ready to view. I reviewed my credit and my score dropped even more. Credit Corp Solutions reported to XXXX the beginning balance was {$8500.00} to {$8300.00} in the month of XXXX as if a payment had been made to them which is absolutely absurd. I have never made a payment to this company nor ever had an account with this company. There is not an inquiry on my credit report to support Credit Corp Solutions accusations. I submitted my credit report to show proof from other bureaus that my credit worthiness is outstanding and that there are no collections, {$0.00} balances on every account that I pay in full monthly and never late on my report. This collection has hurt my score tremendously. XXXX has failed me as a consumer. There absolutely was no investigation and XXXX Credit Bureau never verified this dispute that was submitted over 90 days ago. My dispute letters to XXXX are as follows : XX/XX/XXXX21... XXXX/XXXX/21... XXXX/XXXX/21... XXXX/XXXX/21. XXXX has 30-45 to verify but yet my disputes were closed in less than 30 days. No investigation nor verification by XXXX Credit Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraud and identity theft and have made this known to the 3 credit agencies XXXX XXXX, XXXX, and Experian. However they are reporting errors on the credit report and profile they have set up for me. 

I have repeatedly asked for evidence of the verifiable proof to support the reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by any of these creditors substantiating their claims. These negative events that are being reported by their agency are erroneous and false. Furthermore, I have also requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

under 15USC1681i ( a ) 1 Challenges the 30 day response time. XXXX never responded to my disputes. never received 30 day update from XXXX XXXX account JPMC Auto XXXX # XXXXXXXX XXXX XXXX XXXX never got a repose or update to dispute letter I sent by mail. 15 USC 1681i ( a ) 6 ( B ) challenges investigation protocol they never did an investigation on my disputes 15USC 1681i ( a ) ( 5 ) B challenges reinsertion protocols. XXXX doesn't properly investigate your accounts. XXXX is under a Lawsuit for XXXX Investigations of Credit report Errors which violates the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( CFPA ) Failing to properly investigate consumer disputes, failing to provide consumers with accurate notice of said results, failing to delete inaccurate information from reports improperly reinserting inaccurate information and failing to convey consumers disputes to furnishers fully and accurately. Have sent my disputes off for the last 6mos with no response from XXXX.
Product: Student loan

Part of the schools promise upon graduation was lifetime access to the facility and all the equipment they had available. They have closed down since then. While attending the school most of the staff began to quit due to a regulation that was passed that affected the teachers. I dont believe that the level of education promised was provided while in attendance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/17 I have been trying to get EQUIFAX to correct my credit report to no avail, all my credit info is missing, see attachment.
Product: Credit card

I made an ACH payment through SoFis app to pay off the balance of my credit card {$9400.00} on XX/XX/XXXX. Today on XX/XX/XXXX, I tried to use the card for a {$140.00} purchase & it was declined. When I called SoFis customer service #, they told me they havent released the funds from the payment yet, even though it had been 7 calendar days & 5 business days. The funds had been debited from my checking account on Friday, XX/XX/XXXX. This was a payment made electronically & we are well past the 3 days an ACH can be rescinded. So they are in essence holding my funds that they absolutely have in their possession and not allowing me use of them. I would like it noted that I have never had a payment to them bounce in the past. 
The solution I was given was either request a credit limit increase, which I dont need or want & doesnt make sense since I wanted to use only {$140.00} of what should be over {$9500.00} in available credit. Or, it was suggested that I open a checking account with them so in the future I can make payments using that & the payments will process more quickly. Since they seem to be playing fast & loose with holds on card payments, I cant imagine what kind of holds they put on electronic deposits to their checking accounts.

The bottom line is that I dont think it is very consumer friendly for them to hold electronic payments for 10 business days when they receive the funds in 24-48 hours.
Product: Debt collection

Credit Control , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation Dear Credit Control , LLC, I am writing to formally dispute an alleged debt that has been reported by your company. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this debt, as I have no recollection of any agreement or obligation to pay the amount claimed.

Please provide the following information to validate this debt : 1. The name and address of the original creditor ( XXXX XXXX, if applicable ). 
2. The name on file of the alleged debtor.

3. The alleged account number.

4. The address on file for the alleged debtor.

5. The amount of the alleged debt, including any fees or interest added.

6. The date the alleged debt became payable.

7. The date of the original charge-off or delinquency.

8. Whether this debt was assigned to your company or purchased. If purchased, specify the amount paid for the debt.

9. The commission for the debt if collection efforts are successful.

Additionally, I request copies of the following : 1. The agreement or contract that grants your company the authority to collect this alleged debt.

2. Any signed agreement that I have made with your company or any verifiable proof that I have a contractual obligation to pay this debt.

3. Any other agreement bearing my signature wherein I agreed to pay this debt.

4. All statements for this account while it was active.

5. Any insurance claims made by any creditor regarding this account.

6. Any judgments obtained by any creditor regarding this account.

Please also provide the name and address of your bonding agent in case legal action becomes necessary.

You are required to return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your rights to collect this alleged debt, within 30 calendar days from the date of receipt of this letter.

If you can not provide the requested documentation, I request that the alleged debt be removed from my credit report immediately, as I am exercising my rights under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Edfinancial Services Is incorrectly reporting balances that do not have with them.
Product: Student loan

I was am under the Public Loan Forgivness program. I have been in public service for more than 10 years. I was given advice that I was on the correct plan and that my zero payments based off of income would have qualified me for Forgivness. However, this is not the case. I have over years of non qualifying payments as I was put in a forbearance plan. The max is 3 yet I have over 7 years. I am not counting my bankruptcy which they always seem to point to. I am counting the years before that. I have attempted on multiple times for them to address this and they keep pointing back that i was in forbearance or bankruptcy. Again the max is 3 years. I am asking that these years that were in forbearance be converted to qualifying payments based on the fact that I would have qualified for zero payments during this time and had my student loans forgiven.
Product: Debt collection

I am writing to formally dispute the adverse information reported to my credit file by LVNV Funding. It is clear to me and anyone who reviews this that the debt they are reporting is not my obligation and never has been. Despite this, LVNV Funding continues to refuse to remove the incorrect information. 

I have contacted LVNV Funding multiple times, pleading for them to resolve this issue. I've also requested essential documents, such as personal agreements or contracts, that would substantiate their claim. Unfortunately, they have failed to provide any such documentation. 

Given their repeated refusals to address my concerns and provide the necessary information, I am asking for your assistance in resolving this matter. I would greatly appreciate your help in getting this erroneous information removed from my credit file.
Product: Credit card

This dispute is with Capital One Bank. 

There was a debit charge on XX/XX/XXXXXXXX  for {$440.00} to XXXX and there was a debit charge on XX/XX/XXXX for {$540.00} to XXXX XXXX I did not make either of the purchases. I contacted the bank as soon as I saw the charges appear on my online balance ( XX/XX/XXXX ), they cancelled my debit card and sent me a new card immediately. I received credits on XX/XX/XXXX for the charges while they investigated. 

In early XXXX, the charges were reapplied against my account with an explanation that the dispute credits were denied. I called, complained, and Capital One indicated they would revisit the dispute and again got a dispute claim credit. 

On XX/XX/XXXX the dispute claim was again denied and {$980.00} was withdrawn from my bank account. At no time during the dispute " investigation '' did the bank contact me to discuss the charges. 

Given that the charges were made online it would make sense that the address that the items were sent to would be checked against my home address. Clearly this was never done because it would have shown that the items were not sent to me.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent a XXXX payment totaling {$1800.00} in exchange for concert tickets. The payment was sent to someone I know and trust. But their XXXX had been hacked and I never received the tickets. 

I immediately reported the incident to citibank, XXXX, and XXXX. All institutions have done nothing to bring the situation to justice. My friend still can not access his XXXX profile and the hacker is scamming more people. Citibank did not refund me, provide information on the hacker, or shut down accounts. I spoke with several customer service agents and sent a letter requesting an investigation report but I haven't received anything. I have spent more than 24 hours on this and feel stressed about losing a large amount of my hard earned money that is inconsequential to citibank.
Product: Credit card

Please see attached document.

I am opting out of Credit Reporting with Capital One. 
Any negative remarks on any of my consumer reports should be promptly removed due to reporting to a third party being a direct violation of the Privacy Act of 1974, : The FCRA, 15 U.S. Code 1681b section 2, 15 U.S. Code 1666b, as well as 15 U.S. Code 6802.
Product: Credit card or prepaid card

On XX/XX/2021 I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$960.00} order # XXXX. I used the machine for the first time in XXXX and discovered the machine did not work. The products would not freeze. I contacted XXXX XXXX by phone and email in XXXX ( correspondence attached ) and provided them with pics and video as they requested. My issue was not resolved, and I asked for a full refund of funds, and was told by XXXX XXXX I would have to pay to have the unit shipped back. I obtained a quote and the quote as over {$600.00} to have the unit shipped back, which I believe was excessive and not fair as a consumer. I then asked for the manufacturer warranty since the machine should be covered under those warranties and received nothing. XXXX XXXX provided me with a defected product and wants me to be over half the cost to get it shipped back to them, without providing any additional solutions. This is not fair and this company should be investigated. I disputed this information through PayPal, and advised them to have XXXX XXXX send me warranty information but they did not. They closed the account, because I didn't provide the tracking information confirming I shipped the product back for over 600 which I informed PayPal and XXXX I could not afford to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I can give you the CFPB report number.I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report and correct all history and addresses DELETE XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CORRECT and verify Payment history XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UPDATE XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX ( only address ) XXXX