23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today, XX/XX/XXXX I received a call left on my voicemail from a XXXX with the NP Group stating using location services to locate a XXXX XXXX XXXX and will start contacting people on reference file to locate me. I have received numerous calls regarding this from this company. Today, XX/XX/XXXX I called the number left on the recorder back at XXXX and spoke to a female that had information on me, I had not provided stating, I took a loan with XXXX in XXXX and was deposited in a XXXX XXXX XXXX and stated notes state, I had financial hardships on the account. To this day, I am experiencing financial hardships, currently not working and on Food Stamps and State assistance in the State of California. This company even contacted and harrassed my sister calling her on her cell phone numerous times trying to locate me. Note my sister has never been associated with any loan documents ever. Note, my car was broken into and all my records regarding this loan where stolen in the car theft. I have a police report to show proof. I feel National Principal Group is a predatory Bill Collection company that uses scare tactics and intimidation techniques to scare people into settling debt. This company needs to be educated in the Fair Debt Collection practices in the United States and these rogue collectors need to be reeducated.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$7400.00} ; XXXX XX/XX/. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$20000.00}, {$5600.00}, XXXX, {$0.00}, {$10000.00}, {$7700.00}, {$0.00}, {$4800.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$4100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$20000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$5600.00} -This is not my account. 









4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 




-- PERSONAL LOANS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$10000.00} -This is not my account. 

7. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$7700.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 




-- XXXX ACCOUNT 10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 











I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, CFPB, FTC, Police Report. 




______________________________ ______________________________ XXXX XXXX DATE
Product: Bank account or service

My complaint is regarding your settlement with XXXX. We were issued a refund check on XX/XX/2016 but it was sent to a former address. We became aware of the check for {$410.00} but the check stated that it was only valid until XX/XX/XXXX. I called the number on the check and asked that the check be reissued. They stated that they gave me until XX/XX/XXXX to cash the check and since that date passed, I was no longer entitled to the money. I did n't see anything on that order that limited the date for payment. In fact, I think most states require such money to an Unclaimed property fund.
Product: Student loan

From 2005 forward I incurred student loan through XXXX University. When you are recruited you are told of all the jobs and career options you will have once you obtain your degree. I have yet to secure a job utilizing my degree and have incurred an abundance of student loans. I have been able to get a forbearance but that doesn't help because the balance is still there and my interest is still growing.
Product: Credit card

MRS BPO LLC This is a account that i am not aware of and charged to my account and also this XXXX XXXX XXXX
Product: Bank account or service

I signed up for a Citi Gold Checking account online and entered a promotional code ( XXXX ) that I was mailed in a credit card statement. The promotion stated that I would receive XXXX XXXX XXXX after completing bill payments in two consecutive months and completed debit card purchases totaling over {$1000.00} in 90 days using the Citi checking account. I received verification during the online application process that I was eligible for the bonus and checked again with a representative a few days later. A month after applying online and completing the promotional requirements, I received confirmation from a Citi representative ( XXXX/XXXX/2015 ) through secure message that I had met the promotional requirements and the representative stated I would receive the promotional offer within 90 days. On XXXX XXXX I inquired to the status of the promotion and was given a wait time of 30 days before the miles posted. On XXXX XXXX, I again inquired to the status of the miles and that 's when Citi stated they needed to perform a investigation to determine whether I was eligible for the promotion. On XXXX XXXX I received notice that I was indeed eligible and all Citi needed was my XXXX account number. I supplied the account number and received another notice on XXXX XXXX indicating another investigation needed to take place to determine the status of the promotion. 

Frankly, this run around is getting ridiculous and I 'm tired of being promised something XXXX day and then the next day the story changes. I 'm not sure how a bank can possibly operate in this capacity and expect to maintain customers. I 'm hoping that this CFPB complaint can bring this mess to a close and I can move on to bank who does n't trick their customers.
Product: Debt collection

I tried contacting this company via mail and phone with no success this debit is false and affecting my livelihood. This letter is to notify you that you have posted a " Consumer Dispute Statement '' on my credit report that is preventing me from obtaining mortgage financing. While it is my right to post a consumer statement on my credit report with credit reporting agencies. The account history information reporting on my credit profile with the three major credit reporting agencies ( XXXX, XXXX and XXXX ) for the accounts listed above are reporting accurately and are not in dispute. Please remove all consumer dispute statements from my credit profile as reported to the credit reporting agencies by your company.
Product: Credit card or prepaid card

I made a purchase at The XXXX XXXX, the items were not what was described. I took my purchase back to the store, they accepted my return. They gave me a refund receipt, but as of today no refund has appeared on my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Over a period a six months, my XXXX mother applied for a large loan from BB & T in XXXX. Over that period my mother was asked to pay for an appraisal fee of over {$500.00} and was led to believe that she was in line for the loan. Over a six month period she was, I feel, led on my a young employee at the bank who played to her motherly instincts. While salesmanship is a part of business, my mother spent thousands of dollars on an apartment under false impression it turns out, that the loan was a mere days away. This process cost her thousands of dollars over a six month span. While this is in no way a predatory loan, I feel that my senior citizen was indeed led on by BB & T.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion several times first by requests ting validation, then disputing and lastly I requested an investigation. My complaints have been ignored and n if there was an investigation it was not conducted corrected. There are incorrect addresses, charged off accounts showing balances and late payments. I have brought this to their attention numerous times. I have included a copy of the last letter I sent a week ago as well
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 1. The following personal information is incorrect Account Number : EMPLOYER : XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, Experian, XXXX, and XXXX, I, XXXX XXXX, a natural person, am formally disputing the inaccurate and misleading information on my consumer credit report. For the past several months, I have repeatedly requested an investigation into these violations, yet my disputes have been ignored. These inaccuracies have negatively impacted my livelihood, and your failure to conduct a reasonable and timely investigation violates my rights under federal law. 

XXXX of the primary inaccuracies pertains to my account with XXXX XXXX XXXX. Specifically, the payment history for this account is inconsistent across the credit bureaus, yet it has been reported negatively on my consumer file. Additionally, you have failed to provide verifiable proof of the alleged late payments before reporting such derogatory information on my consumer report. 

Your failure to investigate and correct these inaccuracies is in direct violation of XXXX5 U.S. Code 1681i ( Fair Credit Reporting Act ) and 15 U.S. Code 1681s-2 ( Fair Credit Reporting Act ). As per my rights under these federal statutes, I formally demand : Immediate removal of the inaccurate accounts and negative marks associated with my XXXX XXXX XXXX account and any other unverifiable information on other accounts. 

Failure to comply with my request within the legally required timeframe will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering potential legal action to protect my rights. 

I expect a formal written response and resolution to this dispute within 30 days, as required by federal law. Please send all correspondence and supporting documentation regarding this matter to my contact information listed above. 

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

Upon reviewing my recent credit report, I discovered unauthorized credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I did not authorize any individuals associated with these companies to access my credit report. This constitutes a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious infringement of my privacy rights.

I request that you verify this information with the respective companies and provide me with copies of any documentation associated with these inquiries bearing my signature authorizing them. If no such documentation bearing my signature is found, I formally demand that these fraudulent inquiries be promptly removed from the credit file linked to my Social Security number.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 have sent XXXX, XXXX  and Best Egg letters to clear up this account thats in error. But to no avail. This account has been re-aged because there are three different date last active? and only one bureaus has any payment history? 

This account is reporting errors that seem suspicious how can you have different date last active? and date of last payment when the account is supposed to be charged off? Best Egg and or the credit bureaus are re-aging this account which is a violation of my rights. XXXX  and XXXX has been reporting this wrong information every month since I found out about this account which is horrible and I need to understand how they can do this to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I questioned a delinquent account I saw on my Trans Union credit report. My understanding was that the company XXXX XXXX XXXX was paid off with my Bankruptcy discharge in XXXX. The car was totaled and my car insurance company paid XXXX XXXX XXXX the value of the car. 
When I inquired into the delinquent account the investigation showed that I owed a {$2000.00}. balance with XXXX XXXX XXXX. Although this was a delinquent account from more than 8 years ago, Trans Union reported it as a NEW delinquent account and it dropped my FICO score in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This severe drop occurred in 1 month and I did nothing in that time to drop my score- all bills were paid on time and I had no new delinquent accounts. This XXXX point drop devastated my chances of getting a good rate on a car loan, apartment or anything that I was was building my credit for 8 years. I have been responsible and building my credit since XXXX  and I disputed the delinquent account was 8 years old, but it was newly added to my credit history and should not affect my current score. I asked to speak to someone at Trans Union and tried to dispute it but have been unsuccessful. My car insurance renewal premium increased because of my lower credit score. Because of the current high interest rates, I'm looking for options to reduce a high interest credit card, but my credit score is still a problem. 
I am requesting that the credit reporting companies treat this as a delinquent account from 8 years ago and that I have built my credit since then. I am asking that they look at my credit history since XXXX to increase my credit score to allow me to qualify for the loans at a more fair rate based on my recent credit responsibility.
Product: Debt collection

Portfolio Recovery A {$700.00} was sent a letter on XXXX and XXXX request debt validation and original contract. They have not provided that they have legal authority to collect on this debt nor was a contract signed authorizing collection from this company.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX XXXX for Violations of Fair Credit Reporting Act ( FCRA ) and IRS Regulations Regarding Debt Reporting and 1099-C Issuance To Whom It May Concern : I am submitting this formal complaint against XXXX XXXX for failing to comply with applicable federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and IRS regulations regarding debt cancellation reporting. 

Complaint Details : XXXX. Failure to Provide IRS 1099-C Documentation : The account in question, reported as a charge-off, has been written off, as reflected in the credit reports. If the debt was canceled, XXXX XXXX is required to issue a 1099-C to me and the IRS as mandated by the IRS regulations .

To date, no such documentation has been provided. 
XXXX. Potential Double Reporting and Collection Violations : Despite the charge-off, XXXX  XXXX continues to report this account to credit bureaus as owed and delinquent. If a 1099-C has already been issued, continuing to collect or report on this debt constitutes double-dipping, a clear violation of IRS regulations and FCRA provisions requiring accuracy in reporting.

3. Failure to Validate Debt Upon Request : Attempts to obtain full validation of the debt, including proof of ownership, payment history, and any transfer or sale of the debt, have gone unanswered or insufficiently addressed by XXXX XXXX. 

Requested Resolution : XXXX. Provide a complete response regarding whether a 1099-C has been issued for this debt and a copy of the filing if it exists. 
XXXX. If a 1099-C has been filed, immediately cease all collection and reporting activities related to this account. 
XXXX. If the debt has been sold, provide proof of the sale, and verify that XXXX XXXX is not continuing to claim the same debt. 
XXXX. Remove all inaccurate reporting from credit bureaus and confirm compliance in writing. 

Failure to address these concerns promptly will result in escalation to state and federal authorities. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to report the inaccurate credit reporting by the XXXX credit reporting agencies XXXX, Equifax, and XXXX. The account XXXX XXXX should be immediately deleted from my credit report due to incorrect information. How is each bureau reporting different balances and payment history when all data furnished should be the same? This doesn't make sense and it violates so many FCRA regulations. Also, XXXX has yet to send me any historical data about this account therefore it should not be reporting on my credit report. Equifax does not even report the original balance so there is no way for me to fact check this information. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am asking that the credit bureaus cease any stall letters that they are planning to send because I will move forward with legal action because this is causing me extreme distress. I do not think that an investigation was ever conducted and that is why the account is still reporting inaccurately. I am demanding for the deletion of this account immediately.