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

Dear CFPB, My name is XXXX XXXX and I depend on my credit to survive as a XXXX XXXX. I had two cases of accounts under collection which were removed from my credit. One was a timeshare that. my ex. had acquired while we were dating and he stopped paying. The company does not want to remove me of the contract. My ex stopped paying the monthly payments and I was unaware. After I was trying to get a credit card to lower my interest rates this collection came on as a real estate collection and my card got denied putting more negative on my credit. I disputed the account and my ex caught up with the payments but the info has not been removed from my report completely. The second thing was a school balance. I wanted to further my education and decided to go to school and was offered a grant. The grant got approved then for some reason the school requested my tax transcripts which I couldnt provide and still to this date I have not been able to get the IRS to process my taxes to get the transcripts and show the school. In the meantime the school required full payment and put the balance under collections. This year has been really hard for me as a result of all this going on. Other than those 2 thing I have not had any late payments, liens, bankruptcy, or anything and my utilization is at 40 %. I also had a lot of inquiries from a time I was leasing a car and the dealer ran my credit like 12 times which I didn't authorized. Because of these thing my credit is the lowest I have ever seen it at XXXX with XXXX and Equifax. If I get a review of my credit I could loose my license which is my livelihood and I certainly can not buy a home because of the unfair score! I need these companies to erase the inquiries from 2018 and I can not do that online as they do not have options for that and I need them to rescore. I don't think my score is fair given my perfect payment history, utilization and clear report.
Product: Debt collection

I am a 100 % XXXX vet. I went to my private primary care doctor ( INTEGRIS XXXX ) for a preventative lab test at XXXX XXXX of Oklahoma, using my private XXXX XXXX  insurance. The wrong billing code was used and resulted in me owing the full {$430.00} debt of the service. It has now been reported to a debt collection agency ( XX/XX/2021 ) that is ruining my credit and making it difficult to utilize my VA loan. 

As a XXXX vet with XXXX XXXX plus private health insurance, this service should have been covered and never reached my credit report. I have called and asked the debt collector ( Radius Global ) for a pay for deletion but they refused. 

I have contacted my private healthcare office, the lab, AND the collector and nobody can assist me. I feel wrongly treated and that this should not be legal. Nobody has been able to help me as the collector continues to report and ruin my credit. 

I can also attach proof of XXXX veteran status and private insurance.
Product: Debt collection

XX/XX/XXXX I was informed that I owed a balance of {$150.00} to Southwest Credit Systems L.P. in regards to a debt owed to XXXX XXXX. I had closed the account with XXXX XX/XX/XXXX with all balances paid. I requested that Southwest and XXXX provide verification of the debt and any fees added to the balance, but both companies have failed to respond in a timely manner. I submitted my first request for verification XX/XX/XXXX with follow-up letters XX/XX/XXXX and XX/XX/XXXX. I spoke to a XXXX agent via online chat and they informed me that I owed the debt, but could not provide verification of the debt.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Re : Account # - XXXX To whom it may concern : This letter is being sent to you for VALIDATION OF DEBT ON THE ABOVE REFERENCED ACCOUNT as noted in my Credit Bureau Report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a verification or proof of my mailing address, but a response for VALIDATION made pursuant to the above names Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : *What the money you say I owe is for ; *Explain and show me how you calculated what you say I owe ; *Provide me with copies of any papers that show I agreed to pay what you say I owe ; *Identify the original creditor ; *Provide that the Statue of Limitations has not expired on this account ; *Show me that you are licensed to collect in my state ; *Provide me with your license numbers and Registered agent At this time I will also inform you that if your offices have reported invalid information to any of the 3 major Credit Bureaus ( XXXX, Experian, XXXX XXXX ) this action may constitute fraud under both Federal and State Laws as well as, *Violation of the Fair Credit Reporting Act *Violation of Fair Debt Collection Practices Act *Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could considered detrimental to any of my reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated or verifying and account as accurate when in fact there is no proof provided that it is. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed form my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with and third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose. 
Best regards, Certified Mail Return Receipt
Product: Checking or savings account

I deposited a {$120000.00} check into my savings, but when I checked the bank account it is missing! I Looked at my receipt and it is NOT my account # that it was deposited into! I called the bank and they refused to help me unless I came into the branch to file a document and even then it would take days to get resolved! I told them they made the mistake and I want my money, and I am not driving back to AZ to their branch to fix it, they need to fix and transfer!!!!!!! They told they would call me back and now they will not answer the phone or call me back and my money is missing!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting and XXXX Account, the below listed accounts has violated my rights.

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 602 A. also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX ( Finance ) XXXX  ( Bank ) XXXX XXXX : Last reported XX/XX/XXXX {$250.00} Open balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original creditor ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$330.00} -- -- - Highest balance : {$330.00} XXXX XXXX XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$19000.00} -- -- Highest balance : {$25000.00} XXXX XXXX XXXX Last reported XX/XX/XXXX Reported balance : {$1100.00} -- -- - Credit limit : {$600.00} XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$690.00} -- -- - Credit limit : {$500.00} XXXX XXXX  : {$18000.00} Reported balance DEPT OF ED / XXXX : {$7500.00} On time DEPT OF ED / XXXX : {$4000.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$330.00} On time DEPT OF ED / XXXX : {$240.00} On time XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$9000.00} XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- - Highest balance : {$9600.00} XXXX XXXX  : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$5200.00}
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : 2024 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :
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. 

AcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

These account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, XXXX, Experian ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and experian and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 account # 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 a account without my written instructions
Product: Debt collection

In XX/XX/2023 I paid for a hotel and rental through affirm. They started to take payments out as agreed. In XX/XX/2023 I utilized services and XXXX credit card was charged. I spoke with multiply ppl at affirm explaining that I had already paid for services. I opened up a dispute. Provided proof and waited well over the 90 days to be told I lost my dispute and still had to pay despite paying already. They also reported all the payments as late payments which has negatively impacted my credit report. This is not fair. I made a complaint with the XXXX about Affirm and they still have not answered the complaint.
Product: Credit reporting or other personal consumer reports

Complaint for CFPB Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/2021 XXXX I have previously disputed the accuracy of this charge off account with Equifax and provided evidence that the information is inaccurate. However, Equifax has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax refusal to comply with this law is a clear violation of my consumer rights.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Equifax upholds its obligations under the law.

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   called my home number ( when I am on the do not call list ) and promised to sell my patents on the   XXXX   XXXX  . They promised to do unrealistic things. At first I was very emotional since my daughter was murdered and they took advantage of my grief and emotional state. I reallized I was scammed so I went on line to down load the complaints against them and immediately called them back saying my daughter would turn over in her grave if I had anything to do with a scam company such as them. I cancelled everything within  24 hou rs. I also called my credit card company  Chase Credit card services, telling them not to accept anything from   XXXX   XXXX   XXXX  .I  followed it up with a lette r to Chase and included all the dozens of scam complaints that I found on line.  I was told ok everything was fine. Soon after that  Chase bega n to come after me for {$18000.00} for a scam. No work was ever preformed, no meeting was done, no movies were taken nothing what so ever was done.  Chase  Credit card services just wants my money. they said they will ruin my credit if I do not pay. I called them up but the do not listen. they are just coming after me for the scam money where no product was delivered no work was done just a scam.   XXXX   XXXX   XXXX   never contacted me. They undertsood I fired them and do not want to deal with them Why is  Chase c oming after me after i reported the scam? I need some help I  am XXXX  yea rs old and it is elder abuse. They think I will scare and pay them. I do not have retirement. I only get social security. I am still working since I need to eat. Please call em   XXXX   XXXX   a law suit will cost me more money than the entire ballance they claim I owe that is why they are doing it. they need to be ponished.  Chase out to  be a shamed of themselves to be abusing an old lady like me. My name is   XXXX   XXXX   My address is   XXXX   XXXX   XXXX   XXXX  , VA  XXXX   e m ail  XXXX  XXXX  XXXX  thank you for your help my cell is   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against : EXPERIAN, XXXX, XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened below. 

Account Number Amount Number Status These accounts have resulted in several fraudulent hard inquiries, fraudulent collections, and late payments appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as 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 hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries 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 the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that All credit reporting agencies block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I took out a loan for furniture with this company around XXXX and XXXX. Thye had a promotion at the time that stated if you paid your loan off within so many months you would not be billed interest. 

I had just about paid off a furniture loan of 6k when I decided to get a smaller loan for a bed and used their loan services for a smaller loan around 3k with the same promotion no interest if paid off within a certain timeframe. I had paid off the larger loan within the promotional period and was about to pau off the smaller loan, i had literally 1 payment left which when i paid it did not get applied in time or got applied to the other account. Conns telephone representatives were extremely rude and unhelpful, i felt they did this on purpose to get more money out of me. They are unfair and deceptive when it came to their interest free loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Details Account : XXXX XXXX XXXX Amount : {$97.00} Status : Late 30 Days I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX XXXX, and this is an error and you must remove it, this against the law. 
... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. 

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX DPT ED/XXXX XXXXXXXX DPT ED/XXXX XXXX XXXX, XXXXXXXX XXXX  SOC SEC XXXX XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX