23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

For about 36 months, there was an incorrect reporting of a XXXX XXXX account of mine on my credit report. I had consistently attempted to have this information corrected. Each time I filed a complaint, the credit reporting agencies appeared to have sided with XXXX XXXX. After I filed a complaint against XXXX XXXX through the CFPB, the response received from XXXX XXXX response seems to to blame the credit reporting agencies for the incorrect reporting of my XXXX XXXX account. This inaccurate reporting of my XXXX XXXX account caused great harm to my credit score. This is part of the the statement from XXXX XXXX in their response to me on or about XX/XX/XXXX before their credit collector sued me in court and as such, caused me even more financial harm : " We have received multiple electronic disputes from you through the e-OSCAR electronic dispute portal. e-OSCAR is a web-based system that allows credit reporting agencies to respond to disputes. Data furnishers help the credit reporting agencies respond to disputes that are submitted through e-OSCAR. As a data furnisher, XXXX provided responses to each of your disputes directly to the credit reporting agencies through e-OSCAR. Upon receipt of your complaint, we completed another review of the account information displayed in your credit file for account XXXX found that updates are still required at Equifax, where the high credit/original amount and the charge-off amount are missing, and the payment history still does not match our system of record. At XXXX, this account is reflecting an incorrect closed date, which should be XX/XX/XXXX, the date of sale. At XXXX, the payment history still shows no data for XXXX & XXXX XXXX, we have requested that Equifax, XXXX and XXXX make those updates. As a courtesy, XXXX will remove the information on account XXXX. Please allow 30-45 days for the updates and the removal of account XXXX to reflect in reporting ''.
Product: Debt collection

Despite numerous letters sent to the credit bureaus and debt collector themselves, I can't seem to get a resolution to this debt they say I owe. I requested proper debt validation via letters sent and the only thing I receive are statements of balances and proof debt was bought from a creditor. I do not recall these debts they are trying to collect on and I refuse to pay any monies until proper proof is shown in which I request in the letter I sent. The FDCPA is clear as to how debt collectors are to validate debt with consumers and Cavalry is not following the law by not providing proper proof to consumers in which they wish to collect from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX has done a hard inquiry without my authorization. My credit score has gone low due to this. I want this inquiry to be removed from my credit report asap. I an not looking for a house now specially this year. I am trying to better my credit and don't expect some company to run my credit any time. Please correct this.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft due to Equifax data breach. I didn't authorize these inquiries on my credit report. I believe someone was trying to gain benefits off of using my social security number. I have not received no benefits from either creditor
Product: Credit reporting or other personal consumer reports

The XXXX credit bureau has mishandled my credit report disputes, which has lead to lower credit scores on my report. The Sham investigations, Inaccurate information, Improper reinsertion of information into my credit files. These unfair practices by XXXX has been going on far too long. I have asked for an Investigation into some of the outdated irrelevant information from the furnishers. These errors should be removed from my credit report ASAP. XXXX has violated FCRA Rules.
Product: Credit reporting

This account is supposed to be {$0.00} balance, not {$180.00}. I attached Letterhead in the last complaint number XXXX when you stated you would update account to XXXX balance but you never did it. Now it is XX/XX/XXXX and you still have a balance that i know Child Support did not send to you. Child Support updated account every XXXX of the month. If the is nothing to report like XXXX balance nothing gets sent out. Please remove this account from my credit report, on XX/XX/XXXX, if there is something to report child support will send it to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

From Sallie Mae, Navient to XXXX XXXX XXXX XXXX, from XXXX until I stopped paying in XXXX. Initial amount was confusing, as there appear to be 3 different amounts that all had the same account number. 

Have attempted at least 3 different times to file a dispute with credit reporting agency. Each time they say the amount in question is correct, according to company. This is NOT INVESTIGATING my claim that this student loan is currently being paid by my daughter, and thereby SHOULD NOT BE even on my credit report! 

The reason this was initially on my credit report was that I co-signed for my daughter 's loan. She initially defaulted, so I began making payments in I believe XXXX. After realizing she had begun making payments through another organization, I stopped paying and attempted, without success, to remove this loan from my credit report. 

Another issue involves the fact that each time this loan is closed and moved to another lender, thousands of dollars in fees are added to this initial amount. This will never be paid, as the entire scam should be illegal. I am sure that hundreds of thousands are in similar circumstances ; that consolidation loans do not properly outline what is going on when decent people attempt to begin to pay lawful obligations. This practice has to stop before people would be interested in paying what they honestly owe.
Product: Student loan

I ca n't get any information on WHY loan balances are so high. I ca n't get statements. I do n't know whom even is serving my loan.
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 XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXXhas 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 or prepaid card

U. S. Bank and the PA Treasury sent me a Reliacard which I did not request, nor have I filed for any unemployment benefits. I checked if there were any benefits on this account and there is {$9100.00}. I have no idea how these funds got on this card but I am certain it is fraud. I had to activate this card in order to see if there were any funds loaded. So now the person committing this fraud can request a duplicate card which they probably already have. My phone number was entered into site but when I checked it shortly thereafter the phone number had been changed from mine to another. As soon as I activated the card, the person committing this fraud must have received a text alert. There is no easy way to report this fraud to US Bank ReliaCard. Please make them shut down this account and look into why they loaded {$9100.00} on a card that I never requested.
Product: Credit reporting or other personal consumer reports

Discover Bank, I have trouble recognizing an account on my credit report. It says I allegedly owe on a credit card, account numbers XXXX, and if you claim I owe the alleged debt, can you then provide me with account billing history, statements, and other proof that claims the debt is owed by me. Thank you for your time.
Product: Debt collection

On XX/XX/2023, XXXX XXXX  XXXX, XXXX attempted to contact me regarding an alleged debt that was incorrectly claimed to be owed. As per 15 U.S. Code 1692g, this constitutes my response within the stipulated 30-day timeframe, along with my formal complaint as outlined below. I wish to emphasize that the legal precedent set by Heintz v. Jenkins mandates that law firms must adhere to the same FDCPA Laws as debt collection agencies. 

XXXX XXXX XXXX, XXXX stated that Crown Asset Management LLC is the alleged owner of this alleged debt. Notably, Crown Asset Management LLC has never sent me a 15 U.S. Code 1692g letter. This absence of proper communication violates 15 U.S. Code 1692g and such non-compliance will not be tolerated. Crown Asset Management LLC you have violated the FDCPA law ( 15 U.S. Code 1692g ).

Secondly, 15 U.S. Code 1692c ( a ) specifies that a debt collector can not communicate with a consumer regarding debt collection without the consumer 's prior consent or express permission from a court with appropriate jurisdiction. At no point have I granted permission to Crown Asset Management LLC & XXXX XXXX XXXX, XXXX to contact me in relation to an alleged debt that is inaccurately attributed to me. It is important to note that discussing an allegedly incorrect debt is never opportune. Moreover, the implication by Crown Asset Management LLC & XXXX XXXX XXXX, XXXX that I engaged in business with their company is wholly untrue. To substantiate this, I request a visually signed contract bearing my signature that demonstrates my consent for them to conduct business concerning this alleged debt. 

Thirdly, I am concerned that Crown Asset Management LLC & XXXX XXXX XXXX, XXXX possess my personal information without obtaining my explicit consent. I seek clarification on how they acquired this information for the alleged debt that is in dispute. This action is a violation of 15 U.S. Code 1692b. 

Fourth, I demand that Crown Asset Management LLC & XXXX XXXX XXXX, XXXX prove the existence of the alleged account through a process of verification. " Verification, '' as defined in Black 's Law Dictionary ( 4th Ed. ), pertains to confirming correctness, truth, or authenticity through means such as affidavits, oaths, or depositions. In accordance with this, I require the following : 1.A signed and valid contract incorporating the alleged terms. 
2.A Chain of Assignment detailing the history of alleged account possession. 
3 A comprehensive Sum Certain, illustrating the calculation of the alleged amount.

4. Alleged Monthly statements.

5. Alleged signed cardholder agreement.

6. The fully executed Alleged original purchase agreement relating to the alleged account. 

I hereby demand that Crown Asset Management LLC & XXXX XXXX  XXXX, XXXX close this file within their offices. Furthermore, I insist that they refrain from reporting any information to credit bureaus. Failure to comply with the aforementioned requests will prompt me to seek legal counsel. In such a scenario, Crown Asset Management LLC & XXXX XXXX XXXX, XXXX will be held accountable under 15 U.S. Code 1692k for their FDCPA violations.
Product: Credit card or prepaid card

Throughout the months of XXXX and some of XXXX my card charged me for multiple XXXX orders and I have never used XXXX on my credit card. The bank said it was " consistent with my previous purchases '' and billed me for XXXX dollars. Some of the restaurants I was billed for are not even in the state of Tennessee and the bank told me to send them more information, which I don't have any more information than they can see because I did not make the purchases. I only have my statement and so do they. I'm sure so many people have used XXXX during a global pandemic. They said if I have more information to fax or mail. I don't have access to a fax machine or a printer because I am unable to XXXX  due to a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, 2017 amount {$1200.00}. I have soken to them the debt was paid and was told it can take 30 days to remove. 2 years later and it still appears on my credit report, i have filed two disputes and have got no response to what should be correcting this and removing it. This is incorrect and not right i have to continue with dealing with this. Specially around this time, with covid19 loss of wages and having my credit this way has given me minimum availability in things i can do. Please look in to this. I would really appreciate it
Product: Credit reporting, credit repair services, or other personal consumer reports

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to this negative and inaccurate information to appear on MY credit/consumer report. Please remove!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute an unauthorized account listed on my credit report. This account, XXXX XXXX ( Account Number : XXXX ), appears without my consent, and I believe that my personal information has been improperly disclosed to a third party. This unauthorized disclosure of my information is a violation of my rights under the Gramm-Leach-Bliley Act, specifically 15 U.S.C. 6801 and 15 U.S.C. 6802, which require financial institutions to protect customers personal information and restrict unauthorized disclosures to third parties.

Given that I did not consent to this accounts inclusion on my credit report, I am formally requesting its immediate removal. Please be advised that if my request is not fulfilled within 30 to 45 days, I intend to pursue litigation to seek damages of up to {$1000.00} for each instance of unauthorized disclosure, as permitted by federal law. 

Thank you for your immediate attention to this serious issue.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ). 
the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -..- 1002.142 ( b ) ( 7 ). 
I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Debt collection

On XX/XX/2022, noticed multiple medical debt collections accounts being reported to credit report agencies. Accounts were not recognized, nor had any attempt to collect the debt or notifications of the right to dispute were made. On XX/XX/2022, called company to attempt to verify debt, since it is not mine. Company representative falsely claimed that the company did not have to verify debt in accordance with applicable laws. On XX/XX/2022, debt verification letter was sent to company via certified mail. Company has not responded.
Product: Credit reporting or other personal consumer reports

ALDOUS AND ASSOCIATES Opened XXXX {$120.00} XXXX XXXX XXXX Opened XXXX {$480.00} XXXX XXXX XXXX Opened XXXX {$650.00} XXXX XXXX XXXX Opened XXXX All these accounts, I haven't removed from my XXXX and they are not me. The XXXX XXXX is still there
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have reported multiple late payments on my credit report for 3 different account that I have with them. I have attached a letter to this complaint, naming the accounts, account numbers, and the law that states that XXXX XXXX XXXX can not report late payments to my credit report. THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is NOT INCLUEDED on my Consumer report! Please review again my letter that is attached. Violation of the law will result in a lawsuit, seeking damages of {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

All prior month and lastly XX/XX/XXXX Balance on XXXX XXXX was reported to all credit agencies including Transunion. 
Transunion had been reporting the correct balance up until XX/XX/XXXX of {$5000.00} Transunion then reported the new updated balance of {$220.00} on XX/XX/XXXX Transunion on XX/XX/XXXX removed the XX/XX/XXXX correct balance which then dropped my credit score by XXXX points I called on XX/XX/XXXX to file a dispute, called again on XX/XX/XXXX to check the status and was told they do not have a dispute for me. 
Filed another dispute of the balance on XX/XX/XXXX stating the balance is incorrect with XXXX XXXX. 
I contacted the creditor XXXX XXXX on XX/XX/XXXX and they have provided the balance to Transunion every month, XXXX, XXXX and XXXX but they have refused to update the correct balance. 
As of now, their investigation is completed and they still have not corrected the balance with XXXX XXXX which should be {$290.00} and not {$5000.00} as they have listed.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green XXXX highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 
This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow XXXX highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DO NOT MARK AS DUPLICATE, I HAVE VERIFICATION. XXXX XXXX should be listed as paid in full for less than the full balance. My account should reflect a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations XXXX XXXX XXXX {$20000.00} # XXXX XXXX XXXX {$350.00} # XXXX XXXX XXXX {$66.00} # XXXX XXXX XXXX {$79.00} # XXXX XXXX XXXX XXXX XXXX XXXX  {$230.00} # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$780.00} # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} # XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} # XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX
Product: Debt collection

On or around XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX. This is the first and only communication received from XXXX XXXX  XXXX. No follow up letters or phone calls. 

I made contact with XXXX in order to set up payment arrangements, before I would be sued. However, I found out during that conversation that a lawsuit had already been filed. However I proceeded to set up an arrangement in the amount of {$50.00} a month for however long it took to pay off XXXX in debt as a means to resolve the referenced account and that they would be willing to partake in a consent order as a means of negotiating. During which I was instructed to not make a payment on the account until I receive forms to sign showing a contracted agreement. 

All of which brings me back to the letter. I had not received a phone call or letter from XX/XX/XXXX to present regarding the matter. Which means I had no time to respond. 

To which the letter indicated that no attorney at the time had evaluated or revised the circumstances of my account. 

Today XX/XX/XXXX, I received a phone call from my wife who took it upon herself to call to try to negotiate with XXXX. 
No permission was given to XXXXXXXX XXXX  XXXX to speak to her regarding my account. My wife indicated to me that not only did he provide information regarding this debt, but that a lawsuit was being processed, that an arrangement was set up and the amount. He also gave her information as to how much was owed. She was trying to negotiate the account without my permission in trying to help. 

During said conversation, XXXX informed her of information regarding the consent order and payment information that O myself was not aware of because he failed to contact me. 

While my wife is aware of the money that goes in and out of my account we handle things of this nature separately. And frankly I dont appreciate my information being shared without my explicit written or verbal permission. 

Mind you since XX/XX/XXXX I have called and left messages regarding ng je paperwork XXXX was fo send for signing and never received communication.