23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX continue to contact me every time they see a number change on my records. I am contuing to receive letters from XXXX XXXX XXXX to make a payment along with the letter it ays Due to the age of this debt, we will not sue you for it or report payment or non -payment of it to credit bureau. 
I was threaten by an associate name XXXX that she will go into my bank account. XXXX XXXX to harass me so much in calls til I started getting XXXX and XXXX. XXXX XXXX will yell at you constantly agrue with you and if you hang up the phone they will continue to call you back by phone. I ask them not to contact me they continue to do so my number has been change I applied for credit XXXX 2016 I did not give my number to XXXX the associates lie about when they purchase the collection. XXXX XXXX has been harassing me for over 8 years XXXX XXXX contacted harasssng me as of now. XXXX XXXX is not listed on my credit reports But I am still receiving data that XXXX XXXX is still acquiring to all my credit report bureaus, after being deleted from all XXXX credit reports and still demanding payments from me. I sent a cease and desist letter.
Product: Student loan

On XXXX XXXX of 2017 I contacted Navient about options for lower monthly payments. I could never get in contact with them and they offered no solutions for me. It is not possible to contact them online through your account and it would say to call them. When you call them you get out through an automated service that leads to a dead end. I eventually had to go to the government loan website and apply to re consolidate and get lower payments. I chose to keep them with Navient, because 2 or 3  years ago when I re consolidated my private loans from navient ( XXXX XXXX at the time ) to XXXX XXXX. Navient lied to me and said they never got payment, when XXXX told me yes they had written the check to them a week before. So I ended up making another monthly payment to XXXX XXXX/Navient when they had it all payed in full from XXXX XXXX. I have never had good experiences with them and they have never been honest with me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/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 of 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

After not being able to resolve my issue with Experian, regarding my credit score, I submitted a complaint via the CFPB. Experian did respond, but with a generic letter confirming my score should NOT have been impacted. Please review my previous complaint, along with the feedback notes. Since the " rules of what does not impact a credit score '' clearly states " where I live '' ( I have lived at the same address 10 years ) should not impact my score and nothing has changed other than paying my bills on time, my score should have been corrected accordingly. I spoke to a CFPB representative after seeing the response and she agreed I should resubmit, since Experian has verified my score should not have been impacted, yet failed to correct the matter.
Product: Mortgage

XXXX   XXXX   I requested a copy of my credit report that is when I learned that my former partner ( Borrower ) was no longer contributing to this loan and filed bankruptcy on it. Since I am the co-borrower I was held liable for this loan which I was never notified by former partner or Mortgage Co that this loan was in default. I contacted mortgage company in   XXXX   XXXX   at which time back payments had been caught up to date and at which time I requested information to modify this loan and also requested all information regarding this loan be sent to my address. No address update was made to this account and all communication was still being sent to my former partner in his name and to his address even after he filed bankruptcy on this loan   XXXX   XXXX   XXXX  . Starting in   XXXX   XXXX   I have left several voice mails to  the Residential Asset Manager assi gned to this account to date I have had no response. Have contacted reps and they said I have no choice but to speak to the asset  manager  and no one else is able to assist me. On   XXXX   XXXX   XXXX   a letter was addressed to my former partner and myself, sent once again to his address, regarding a request for loan modification. Information was completed and returned to mortgage company which I have followed up on multiple times and am still not able to find out any information regarding the loan or loan modification, all I am told when I contact mortgage company is I will have to wait to hear back from asset manger because this loan has been discharged, no idea what that means and no one there will explain it to me. I truly intend to repay this money that was borrowed but would like a little assistance in doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX CA SSN XXXX XX/XX/1961 Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX XXXX DEAR SIR OR MADAM According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
THIS IS DOUBLE JEOPARDY AND IS NOW AGAINST THE FCRA AND FTC LAWS I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification STATE TAX LIEN XXXX XXXX CO RECORDER XXXX {$17000.00} STATE TAX LIEN XXXX CO RECORDER XXXX {$17000.00} * Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX
Product: Consumer Loan

I went to XXXX Lexus to see if I qualified for a new lease turning in my current lease. I was told the payment would be similar and terms also. When I got to the Finance office to sign the lease it showed it was a 48 month vs a 36 month. I was told it was too late to change and I had to accept the payments. I told them I wanted to change back to 36 month and they said they would work on it. Mow almost a year into it they still have not corrected their mistake.
Product: Credit card

On XX/XX/2023, American Express is claiming there is a charge for {$2400.00} with XXXX XXXX. For XXXX XXXX. 

I have spent hours with XXXX XXXX. They have no record of this. This was no flight booked or flight taken under XXXX XXXX in XXXX or XXXX of 2023. 
No purchase under my name or XXXX number or phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I submitted a dispute in regards to a XXXX XXXX credit account. The account was charged off in XXXX, however the bank was still reporting delinquent monthly payments. On XX/XX/XXXX I received an update from update from Experian stating the account was now being charged off as of XX/XX/XXXX negatively impacting my credit. The charge off date should be reported as of XXXX like it was originally.
Product: Debt collection

A robo all is connecting with my social security number and harassing me saying I owe a debt.
Product: Debt collection

Back in XX/XX/XXXX, I reached out XXXX XXXX XXXX to help settle on owed back taxes. XXXX XXXX, Resolution Officer, informed by in a phone conversation that their business could settle between $ XXXX, and have been successful with their resolutions in the past. When I signed on they asked for {$250.00} for the filing fees and told me that I would have to sign more documents, power of attorney so that they could work on my case # XXXX. And that they could get started as soon as I pay them their fees in full. I had to take out a personal loan with United Consumer in the sum of {$5300.00}, and have made 5 payments of {$740.00}, and still owe {$4600.00} until it is paid off, but they did get their money from the loan already. Then they assigned me a case manager, XXXX XXXX. I heard from her once. I had to keep contacting them via emails and phone calls, because they were inconsistent about my case and what I have to do next. I finally started to reach out to them in XXXX and in XXXX. They told me to send in my financial and expenses documents, which I provided back in XXXX. I finally got a letter from the Internal Revenue Service on XX/XX/XXXX, stating that I was set for an installment agreement payment, IN FULL until it was paid off, year XXXX. I will retire before them and will not be able to pay off this debt. XXXX XXXX did not deliver, I could have set up the installment agreement myself. I want my money back, and to be rid of the deb that I owe United Consumer. I felt that these were fraudulent practices.
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. 

I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. 

I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

ACCOUNTS : XXXX - XXXX SERVICE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer :
Product: Student loan

there are XXXX " late payments '' shown on my credit report for student loans that were in deferment at the time. I have tried to dispute it through XXXX and XXXX but nothing has worked so far. It is affecting my ability to rebuild my score as that is my largest debt and makes it look like my payment history is bad when everything else on my report has been good.
Product: Debt collection

Dear CFPB Representative -- I have never a response made by LVNV in reference to account XXXX, and have determined that this does not resolve my complaint. I XXXX found out about LVNV from XXXX credit reports in 2013. Resurgent/LVNV Funding, LLC has failed to provide legal validation or a dunning letter in accordance with Fair Debt Collection Practices ACT ( " FDCPA ). I am demanding proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased ; itemized with the interest, payments, credits, fees, and /or other permissible charges. I would like to have this account deleted from my XXXX credit report and I will also be filing a separate report with BBB. 

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

XXXX XXXX XXXX XXXX : I demand TransUnion, XXXX remove the following inquires as I never gave you written instruction to reflect the inquiries : 1. XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX consumer XXXX XXXX  XXXX consumer XXXX This cfpb complaint has been filed to request pursuant to fcra 605b ( 15usc1681c-2 ) that you, the experian credit reporting agency, block information appearing on my consumer credit report that is the result of idenity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate, and false information consist of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX These accounts have resulted in several fraudulant charges offs and collections appearing on my consumer fico report maintained by you were not opened, made, or initiated by me.all of the aforementioned collections/charge offs are the result of idenity theft and fraud.i have attached a copy of the FTC identity theft criminal complaint XXXX XXXX  as proof from the US Federal trade commission that all the aforementioned consumer collections and charge offs are the result of idenity theft and fraud XXXX
Product: Prepaid card

I purchased several electronic gift cards on eBay from PayPal Digital Gifts ( part of PayPal ). Despite keeping the codes secure, when I went to use the gift cards I found they had all been used without my authorization. The total dollar value of the gift cards was {$1300.00}, across XXXX cards. 

After a quick search, it turns out that PayPal Digital Gifts had a web site glitch around XX/XX/2016 that allowed private data ( gift card codes, email addresses ) to be viewed publicly with a simple Google search. This problem was quite widespread and has been well documented across many web forums.
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 XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

OnXX/XX/XXXX, I sent a letter to Equifax regarding 4 accounts being reported by XXXX XXXX XXXX XXXX in the amount of {$75.00}. I have attempted to contact the collection agency several times by phone and mail to get validation this debt, to no avail. I have disputed this account several times with Equifax due to the address listed on my credit report being incorrect and the phone number being disconnected. I even called Equifax about this problem onXX/XX/XXXX and was told that they would reinverstigate. OnXX/XX/XXXX, I sent a certified letter to the collection agency to the address listed on the report and the letter was returned as undeliverable. ( see copy attached ). However, despite this, I received another letter from Equifax, dated XX/XX/XXXX, wherein they claimed to have verified the account and listed the same undeliverable address and disconnected phone number. ( see report # XXXX attached ) After sending yet another dispute on XX/XX/XXXX, Equifax changed the address listed on my report dated XXXXXX/XX/XXXX.  However, a review of the State of Florida Division of Corporations website revealed that the fictitious name filing for XXXX XXXX XXXX XXXX XXXX, which lists the same address as the Equifax credit report, expired in XXXX. Therefore, this company is not even authorized to do business in Florida. ( see attached Division of Corporation document ) As part of my dispute on XX/XX/XXXX, I sent copies of my XXXX and XXXX reports which showed that both bureaus deleted these XXXX XXXX XXXX accounts months ago as I 'm sure they experienced the same problems I had with verifying these accounts. ( see attached XXXX and XXXX reports )
Product: Checking or savings account

I had a fairly new account with Chase bank - did a mobile deposit on a check for {$1000.00} that was wrinkled - they held it for 2 weeks I wasnt given info as to why though I called several times. At the end of 2 weeks it showed as available but I was unable to access it via XXXX or my debit card though the account appeared to be normal as far as I could tell on the mobile app- nor was I able to make a mobile deposit. I called and the after hours person thought it would be ok the next day. The next day my account was *gone entirely* No notifications via phone, email, or the banking app. I called again and after a lot of digging around, was told my account was closed for suspected fraud and I would be receiving a check from the bank containing my funds. 

When the check arrived it was for {$19.00} - the {$1000.00} was missing. The person who wrote the check to me said it showed as having cleared her account. 

I called the customer service Again and was told that the check writer, would have to go in person to a branch and verify she wrote the check to me. She did. Still no money. I called again and they had no record of her having gone in to a branch on my behalf. She went again and was assured that it was recorded to the check and my account ( which I no longer had since they had cancelled it without notice, but I do have a car loan with them ) I waited another 2 weeks with no check incoming. I called again and asked for a supervisor and was told it would not do any good as the check writers authorization was not recorded to my account in any way. She went in a third time and asked for the money to be refunded to her account and was denied saying I would receive the funds. I have not, and continue to be told she hasnt authorized the check as having been made out to me - while shes assured by the local ( to her ) branch that she did ( her bank is not chase ). 

This {$1000.00} is in chase bank possession and it seems there is no way to get it. 

I even requested they put the funds on my car loan rather than mail a check. My loan instead went into default. 

This is ridiculous- they need to release the funds to one of us the check writer or to me the check receiver! 

There was nothing shady about this transaction on my part in any way other than the check had been in my pocket for a day and was wrinkled.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit inquiry named XXXXXXXX XXXX XXXX XXXX is damaging my credit rating. The inquiry was placed on my consumer file on XX/XX/2022. Documentation regarding the circumstances surrounding the release of my credit report has not been provided.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ Agency Address ] [ City, State, Zip Code ] Subject : Dispute of Inaccuracies on Credit Report Dear [ Credit Reporting Agency Name ], I am writing to formally dispute inaccuracies on my credit report as provided by your agency. Upon reviewing my report, I have identified several discrepancies requiring correction. 

XXXX. **Account InformatioXXXX : - **Account Name** : XXXX XXXX XXXX - XXXX XXXX : The report indicates this account was closed on XX/XX/XXXX, but it also shows a reported balance of {$17000.00} as of XX/XX/XXXX. This is contradictory, as a closed account should not have an outstanding balance. 
- XXXXHighest Balance** : The report states a highest balance of {$36000.00} and indicates that I've paid off 50 % of this loan. However, the payment history indicates that I've only made 19 % of payments on time, which raises concerns about the accuracy of the reported information. 

2. **Payment History** : The payment history reflects an inconsistent pattern with markings indicating missed payments XXXX XXXX XXXX XXXX  several months. I request a detailed breakdown of these payments to verify their accuracy. 

XXXX. **Loan Overview** : The loan is reported as opened on XX/XX/XXXX, with a term of 72 months. I would like clarification on the status of this loan and any relevant payment records that pertain to it. 

In compliance with the Fair Credit Reporting Act, I request that you investigate these discrepancies and provide written verification of your findings. If any information is found to be inaccurate, I ask that it be corrected or removed from my credit report. 

Enclosed are copies of my credit report highlighting the discrepancies along with any relevant supporting documents. I appreciate your prompt attention to this matter and look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

byl collection sending a bill on ftc violations remove it from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX amount {$570.00} was deleted off my credit report due to they wasn't able to provide my bearing signature with a contract