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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Debt collection

Due to Covid I was laid off and fell behind on a personal loan with Prosper in the amount of $ XXXX. I tried numerous times to work out an agreement with Prosper due to my unemployment circumstances. However, their method of providing assistance was granting a 3mth forbearance which included my monthly payments being higher once the forbearance ended. Needless to say I declined the assistance as it predatory and it would only put me further in the hole with them. My load ended up being delinquent and they turned it over to XXXX XXXX XXXX. I worked out a settlement with XXXX for $ XXXX with the agreement of a letter sent from XXXX stating the account has been settled/satisfied for the agreed amount and closed with zero balance. I had to follow-up on three separate occasions for the letter and once I received the letter it stated the opposite with me still owing a balance of {$5500.00} and not reflecting account as closed and updated to the all three credit bureaus. I call XXXX  and spoke with XXXX XXXX XXXX. informing her the letter in question was not correct as it has incorrect information from what was agreed upon at time of settlement. XXXX XXXX stated the letter was drafted by their legal team and was correct. I'm filing a complaint with the AG 's office for unfair and deceptive practices by XXXX Collection Agency.
Product: Checking or savings account

I was offered a XXXX XXXX  from somebody online and I was oblivious enough to the situation. I was very skeptical but when they sent me checks to deposit they initially cashed into my account so I figured there was no chance of fraud. After the checks cashed I was asked to XXXX money to their XXXX and I did totaling the amount of {$2900.00}. My bank has the information of the accounts that received the money, I have pictures of the conversation, I have the XXXX account information and Wells Fargo denied my fraud complaint saying there was no error
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a police report with a police report number to Equifax and XXXX showing that I am victim of identity theft and Equifx is still reporting on my credit file, I had requested documentation on why they did not remove this from account and I have not yet receive anything from both party, and no resolution
Product: Checking or savings account

In XX/XX/year> made a cash deposit of {$480.00} at Bank of America ATM ID : XXXX Store locator XXXX with my atm card ending in XXXX XXXXThe machine malfunctioned for about XXXX XXXX  ( kept buffering ) and finally stopped and spit my receipt for {$480.00} About a week or so {$240.00} were credited {$240.00} claiming because of difference in currency.. They started a Ref # XXXX case, on XX/XX/year> where they debited back the {$240.00} ( temporarily ) while they would conduct an investigation etc. In XX/XX/year> the bank stated that the credit will be removed claiming any record of additional cash deposited at the atm for {$240.00} between XX/XX/year> and XX/XX/year>. I have a SS direct deposit on this account. I am XXXX XXXX XXXX and have a very minimal source of cash income for my daily living, etc. How can a bank of this magnitude act so unprofessional and uncaring towards its customers, specially the elderly XXXX i singled out because its a small account., therefore not caring about what the bank looses or wins, i am dismayed by this conduct. And next week Iwill probably be able to eat less because of these monies taken out for my sustenance. Its a very sad situation. Who do you trust nowadays?
Product: Credit card or prepaid card

Started in middle 1970s. I have tried working with the bank for 3 years. It may have to do with a personal unsecured loan that I obtained for emergencies back in the 70S other than me has been using the card for several purchases and using my bank account to make minimum payments. I believe it was identity and bank fraud. Someone obtained a chase card in my name through identity theft. The purchases were paid for through auto withdrawals from my bank account. I discovered it and had the automatic withdrawals shut down. Now I am being harassed to settle the account and they are refusing to help me get to the bottom of the identity theft and fraud charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these XXXX accounts twice XXXX XXXX and XXXX XXXX because they are not licensed to collect in my state they have sent report saying verified as accurate which mean they did not investigate these account correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the following hard inquiries that I am requesting to be removed immediately, or proof providing these belong to me. 
Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) ( XX/XX/XXXX XXXX )- ( XX/XX/XXXX XXXX XXXX ) - ( XX/XX/XXXXXXXX XXXX XXXX XXXX  ( XX/XX/XXXX XXXX, XXXX ) - ( XX/XX/XXXX CXXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  was closed out from Bankruptcy has {$0.00} balance** XXXX XXXX XXXX is still showing from XX/XX/2013 past ( 7 ) years**** XXXX XXXX XXXX was paid off in full and still showing on my credit report***** XXXX 's is still showing on my credit report closed out in XX/XX/XXXX, XXXX XXXX XXXX  is still showing on my credit report closed out XX/XX/XXXX, XXXX Bankruptcy was dismissed Chapter XXXX ****
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion for failing to delete unauthorized credit inquiries on my credit report, despite multiple attempts to resolve the issue directly with the credit bureau. I have enclosed a copy my Report FTC Number XXXX to support my claim. I reviewed my credit report from TransUnion and discovered several credit inquiries that I did not authorize. These inquiries include : Creditor : Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask for your assistance in having these unauthorized inquiries REMOVED from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the Fair Credit Reporting Act, Permitted Purposes of Consumer Reports, 15 U.S. Code 1681b generally. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others. ( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general. If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.ADDICIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIERES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.Thank you for your time and attention to this serious matter. I look forward to your prompt response and resolution of this issue.
Product: Credit card

To Whom It May Concern, Ive just received a notification from XXXX XXXX about a hard inquiry on my credit report, specifically to TD BANK USA/TARGET on XX/XX/2023. As of now, theres no additional information on this creditor nor any activity on it but I need to report it. Please advise at your earliest convenience. 
Thank you, XXXX
Product: Student loan

I filed bankruptcy in XXXX. It was discharged in XXXX. Navient holds my student loans for both my XXXX and XXXX  work. All loans were left out of discharge filings. I borrowed more than the standard cost of tuition while studying for both degrees. I have made regular payments since XXXX with none being late and only a few paused - including during COVID. I also applied twice to have the loans forgiven since I XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have been on income based repayment since XXXX.
Product: Credit reporting or other personal consumer reports

Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to address this matter. 

I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my dismay, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. 

This persistent issue has caused significant stress and hardship. It is crucial that these inaccuracies are promptly addressed to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX, ME XXXX ; XXXX XXXX  XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3700.00} ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

To Whom It May  Concern, 15 U.S. Code 1692F Unfair Practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. 
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. 
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. 
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. 
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 
( 7 ) Communicating with a consumer regarding a debt by post card. 
( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 came to a agreement to settle the account in full with XXXX XXXX XXXX for a lesser amount than I owed. XXXX agreed for to settled the account paid in full for {$3300.00} XXXX which I paid on XX/XX/2021. I also have the letter stating that the account was settled. But it is still showing on my experian and XXXX that I still owe {$3300.00} and I would like this removed immediately!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

I disputed this XXXX XXXX bankruptcy several times with the credit bureau Experian. In XXXX of 2023 my dispute was completed, when the dispute was concluded the response was verified as accurate with the Texas US Bankruptcy court. I previously contacted the bankruptcy court and their response was that they do not verify records with any credit bureau or any entity for that matter their response is enclosed.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), consumer reporting agencies must handle their significant responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. XXXX, Transunion, and XXXX are such agencies, and as a consumer, I have the right to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts that financial institutions have an ongoing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. I have reached out to all three agency in hopes they would correct there gross misconduct by violating my consumer rights.

A furnisher of information to credit agencies, considered a financial institution under this title, must follow these guidelines. According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can only furnish a consumer report with the written instructions of the consumer. Neither XXXX, XXXX, or TransUnion nor any furnisher of information to credit agencies has my consent to share this information, and any previous consent is revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about their right to opt-out. I was never informed of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) specifies that no consumer reporting agency may include adverse information in a report if it is more than seven years old, except for records of criminal convictions. The adverse item in question is being reported without my permission. Because of these laws being violated my personal information is not being used on the dark web and which case I am severely stressed out because the financial hardship that is being caused by this violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

My information was included in a data breach in XXXX  by XXXX. Where my social security number and ID was compromised. There have been several account appearing on my credit that I did not open nor have I ever had a relationship with these entities. I would like these items removed from my credit report as they are becoming a hinderance. The accounts are as followed : XXXX XXXX {$250.00}, XXXX XXXX  {$680.00}, XXXX XXXX {$950.00}.
Product: Vehicle loan or lease

Credit Acceptance only helped once when my transmission went out. My transmission went out twice and they still said they couldnt help. They picked my vehicle up the end of XXXX and sold it in XXXX at the auction. They said I still have a remaining balance after they sold the used vehicle. It was a 2009 XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and contacted this company numerous times and they continue to duplicate report which is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 


Account # XXXX Account # XXXX I have requested numerous times for them to remove the duplicate and update with accurate information. They are very unprofessional and rude every time I call. They are abusing subprime consumers. 

One of their representatives advised me to go back to XXXX. Seriously? 

I am fed up with Credit Concepts and them trying to continue to overcharge me.

Please review my account I have two credit concepts reported on all of my credit reports but only
ever had 1 single account with them. The numbers and amount both dont match. They are ruining my credit by violating the CRA as a form of retaliation!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are reporting incorrect information on my credit reports. There are 3 late payments that's reporting unverifiable late payments of 30 days with XXXX XXXX XXXX, and XXXX XXXX which is the same company. 

XXXX shows that I opened an account in XXXX of XXXX and had one late payment in XXXX of XXXX, it was a revolving line of credit. XXXX, shows this same account with a different account number as a revolving line of credit with my XXXX payment on time, but my XXXX payment late. Experian, is reporting this same account with the account number the same as the XXXX report, but my XXXX payment was on time and my XXXX payment as late. The information is not consistent across the three reports for the same account. I have asked that this information be verified multiple times and have been unsuccessful to date. 

These same credit reporting agencies are reporting that I opened an account in XXXX of XXXX. On this account XXXX  is reporting it as a revolving line of credit with one late payment in XX/XX/XXXX and XXXX of XXXX and one late payment in XXXX of XXXX. 
XXXX  is reporting this same account with a different account number under the company name of XXXX XXXX as a revolving line with a late payment in XX/XX/XXXX and XXXX of XXXX. 
Experian is reporting this account with a XXXX limit ( the other account have no limit ) as a revolving credit with late payments of XX/XX/XXXX XXXX of XXXX and XXXX of XXXX and the account number is the same as the one on the XXXX  report. 

These 2 accounts are infact duplicate accounts and I have never paid late.