23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I reached out to the original creditors as well as the debt collectors to verify the dates and the debt was never verified. Therefore, I would like to have this agency removed from my credit report immediately. I also reached out to all three bureaus and there was no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau have several inaccuracies on my Credit report, which per the laws set in place from the FCRA, they are in clear violation. The Fair Credit Reporting Act has laws to protect me and other consumers, but the credit bureau willing know this and still have these error reported which is very shameless they are doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft. My information has been exposed in the XXXX data breach. The following accounts, inquiries, and inaccurate addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me. I am submitting this complaint today to inform you about this matter. I researched on how to remove the fraudulent information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX BANK OF XXXX XXXXXX/XX/XXXX. 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 identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I checked my Equifax credit report on XX/XX/2023 and saw that my score had decreased drastically. I checked the comments associated with the recent score change only to find inconsistencies in the fluctuations of my credit score. Equifax knows that my credit score is referred to by creditors when considering my creditworthiness. Equifax has purposely attacked me by reporting false late payments, since this is 35 % of my credit score. Equifax is not reporting accounts with positive payment history in order to coerce payments for alleged debts and to continue to monetize my nonpublic information.
Product: Debt collection

When contacted by ProCollect via my cellular phone [ XXXX XXXX. ( XXXX ) XXXX ] ProCollect [ XXXX XXXX. ( XXXX ) XXXX ] violated my rights under the FDCPA. 

ProCollect called me on XX/XX/2023 from [ ( XXXX ) XXXX ]. That initial call was at XXXX and I spoke with a XXXX XXXX XXXX After vaguely telling me what the nature of the call was, the amount owed and who the creditor was, I informed her that the debt was quite old and I wanted to dispute the debt. XXXX XXXX replied to me that I was not able to dispute the debt, that the debt was valid and that I needed to take care of the amount owed on my account immediately. She attempted to provide me with payment instructions via an address ( and by providing me with my account number ) and I reiterated that I did not owe this debt and I wanted to dispute it. Again, I was informed that I would not be able to dispute the debt and again XXXX XXXX attempted to collect on the account. XXXX XXXX also never informed me that the call was from a debt collector and an attempt to collect on a debt. Following more discussion on the matter and refusing to allow me to dispute the debt, XXXX XXXX eventually disconnected the call. 

Subsequently, I called back to ProCollect multiple time via the contact number provided to me by XXXX XXXX ( XXXX ) attempting to clarify the situation and make sure that the debt to which I was being contacted regarding was notated correctly as disputed. In following phone calls, further misinformation was again provided to me : that the debt was valid and that I was not able to dispute the account. After finally getting a supervisor on the line, she informed me that I would be able to dispute my account via the ProCollect website, but that I had to supply the proper evidence regarding any dispute by XX/XX/XXXX a timeframe of only four days from when the call was occurring. When I asked about the required 30 day right to dispute, she stated to me that the information on that was not correct. This supervisor also disconnected with me during my discussion with her on my account. 

I possess screenshots from my phone 's call log detailing the times and call durations for these calls.
Product: Student loan

On XX/XX/XXXX I submitted an IBR application. As described by the Department of education if the application could not be completed in a timely manner, my student loans would be entered into a 60 day processing forbearance eligible for PSLF. As of XX/XX/XXXX no such processing forbearance has been active on my account. This should retroactively be activated to my account. When attempting to clarify with Mohela, they state I was entered into a 60 day processing forbearance but did not provide any dates as to when this was done and per the FSA payment tracker no eligible forbearance has been applied to to my account. I have not been informed that I am ineligible for this plan. I am requesting my account be retroactively appropriately placed into a PSLF eligible 60 day processing forbearance as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to the three major credit bureaus XXXX, Transunion, and XXXX to remove personal information that I do not want on my credit report ( I am attaching the tracking information ). According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is to share my information to third parties. 

These are clear violations of my federally protected consumer rights.
Product: Debt collection

XXXX and Amsher Collection agency are both trying to collect on the same debt that's not owed. I contacted XXXX-XXXX  for verification and have not received notification since XXXX 2020.
Product: Payday loan, title loan, or personal loan

Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$1000.00} on XX/XX/2019, and have had XXXX bi-weekly withdrawals of {$40.00} debited from my account. This results in a principal balance due of {$330.00}. 

I am willing to repay the {$330.00} balance via credit card in 10 monthly installments of {$32.00} each on the last Friday of each month. 

At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. 

Please contact me to set up payment arrangements as outlined above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed fraud alerts on all of my accounts and have also frozen all of my accounts with the credit bureaus after someone tried to open bank accounts using my information and after ordering my credit reports this year, I noticed a ton of inquiries pertaining to auto financing. I attempted to dispute these inquiries with 2 of the bureaus so far both online and over the phone and only one has removed these fraudulent and unauthorized inquiries from my account. Equifax refuses to remove them stating that they are verified which is not true. I have not applied or attempted to apply for an auto loan as I have had an auto loan through another company since XXXX of 2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following account in dispute is listed below : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. My current address is XXXX XXXX XXXX, XXXX, Oh, XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans that is reporting that I missed a payment this is inaccurate. 

I have several missed payments which all 3 credit reporting bureau is reporting inaccurate XXXX XXXX account report 4 missed payments in 2020 XXXX  XXXX XXXX  XXXX 1 missed payment all inaccurate XXXX XXXX XXXX  showing all reports is showing something different I have not received a response in the 30days its been more than 45 days and nothing has been done to remove this inaccurate reports  also some student loans that were paid off they added back to some of the other credit reports which I would like removed from my balance
Product: Debt collection

On XX/XX/XXXX, I initiated contact with the collection agency by sending a letter disputing the debt they claimed I owed. Despite my efforts to clarify and resolve the matter, as evidenced by subsequent letters dated XX/XX/XXXX and XXXX  the agency persisted in its collection attempts. In both my second and third letters, I proposed a pay for deletion arrangement, hoping for a fair resolution. However, my primary concern is that the agency appears to have purchased this debt, which raises legal and ethical questions regarding their right to collect. Its alarming to see a pattern where entities purchase old debts and aggressively pursue collections without proper verification. Ive communicated my grievances both in writing and over the phone, but the agency remains steadfast in its insistence on collecting the alleged {$120.00} debt, despite its dubious origins.
Product: Debt collection

In XXXX of 2011, I lost service from XXXX XXXX for over 3 weeks. During that time, no technicians could come to properly investigate why none of my services were working. When the technician arrived, he told me that the issue lies within another technician disconnecting my services and using my line to work for another household. He rectified the problem, and I let XXXX know that I had XXXX services from them for that time and would need a prorated amount. I paid the XXXX $ that they owed, and paid the next months bill. They continued to try and charge me full price for the 3 weeks without service. 

Skip ahead 2 years, I had XXXX XXXX again in the XXXX market for 2 more years with no issues, but then they attempted to send my account to collections even though i was a current customer!
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not request or aurthorize the inquirie from such companys
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I tried to pay my mortgage late. It was denied and XXXX XXXX Loans put me in the COVID CARE ACT refusing to accept XXXX/XXXX payments, marked late on my credit reports, sold the loan to XXXX XXXX  as a refinance raising my monthly mortgage payments, sold to HUD with a Partial Deed of Trust. I have had my credit repair company work with me in sending XXXX XXXX XXXX monthly letters for six months with NO reply or repair on my credit reports. When my home went into contract to sell the property in XXXX the Partial Deed of Trust showed up on the title records to the property with payment to be made in full to the Deed Claim. The refused payments were made to XXXX XXXX in XX/XX/2020 along with the XXXX payment to bring the mortgage current. XXXX also made several attempts to understand the split of the loan and could not get communication from XXXX. I have mailed letters to the Secretary of State, XXXX XXXX XXXX, and CFPB by certified mail and am still waiting for a report on financial facts proving my statement as NOT owing the Partial Deed of Trust. I am nor was in Bankruptcy. I am nor was in Short Sale. I am nor was in Foreclosure. WHAT I AM is Homeless with cash to buy my next property and can not get a loan due to the false reporting of XXXX XXXX loans on my credit reports!
Product: Debt collection

Under a recent direct of all XXXX credit reporting agencies, on behalf of a collective effort of the Federal Trade Commission and the Consumer Financial Protection Bureau, all medical collections can not be posted on a consumer 's credit report until the following criteria is established : The consumer must be given an updated invoice by the service provider, stating that he/she has 30 days to rectify the balance personally or through insurance coverage. 
The service provider must state that the invoice will not go into a collection status until the 30-day timeline has been completed, and a specified date must be given to the consumer. A service provider can not submit a medical invoice to a licensed debt collector until after the 30-day timeline has been completed, without exception. 
If the 30-day time has passed, the service provider can at that time turn over the invoice to a licensed debt collector in the consumer 's residency state. 
The debt collector must submit a written notice of collection, stating that the consumer has 180 days to either rectify the debt personally, settle the debt amicably, or to expedite that an insurance carrier will pay the medical claim. The debt can not be posted on a credit bureau for collection until the 180-day timeline has passed, also without exception. 
I hereby state that the attached medical collection is now illegal, and that the new collection guidelines for medical debts are applied to existing collections. The old collections and their processes were not grandfathered in by the change in policy by XXXX XXXX and XXXX respectively. That means all medical debts come off my report and that I must be given a fair chance to rectify the debt through the previously mentioned criteria.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXX of inquiry XX/XX/2020
Product: Credit card or prepaid card

I have a credit card with Barclay. I had auto-payments set up through Barclay to pay the regular minimum. Between billing periods ( I believe XX/XX/XXXX ) l made payments on the card, but for less than the minimum due. On the payment due date, Barclay still drafted for the original minimum, which did not reflect my additional payments. There were insufficient funds to cover the auto-payment. To make matters worse, the online payment system did not reflect that the payment was not made and updated to show the next billing cycle 's minimum payment. Also, I received no notification of the missed payment until I received a 30-day late notification from my credit monitoring service. I immediately paid the amount in arrearsthe minimum due, not the amount that Barclay attempted to draft. I attempted to address the matter with Barclay directly to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXXDispute XXXX/XXXXDispute  XXXX   XXXXDispute OFFICE OF THE ATTY GENERDispute OFFICE OF THE ATTY GENERDispute XXXX XXXXDispute all ftc violations sent and filed
Product: Payday loan, title loan, or personal loan

I have paid off the loan terms, and I have not received my remaining balance. I havent received any communication from Self lender in regards to where my money is.
Product: Checking or savings account

XXXX XXXX : XXXX XXXX Opportunity to cure Default Final Notice NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information On X Date ( Date you sent the fist letter ) I mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802 ( b ) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers non public person information they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. 
Bank Of America you knowingly, will fully and fraudulently withheld pertinent information to suite your own agenda, forcing me to comply illegally with you reporting my non public personal information to a non affiliated third party companies for your own benefits and profits, this was not equitable to me, my family or household.

I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ).

PURSUANT 15 USC 6802 ( B ) I Fist Name, Last Name a living breathing man hereby exercise my right and specified remedy to OPT-OUT of having this account with my non public person information reported. 
DELETE THE BELOW ACCOUNT FROM ALL CONSUMER REPORTING AGENCIES. 
Account Name : XXXX XXXX Account number : XXXX Account number:XXXX Account number:XXXX XXXX XXXX XXXX, XXXX ( All Rights Reserved )
Product: Credit card or prepaid card

Someone attempted to obtain Credit in my name at Capital One .Capital One check my credit hard inquiries with XXXX XXXX and XXXX I inform Capital One it was fraudulent attempt and it was not me .Capital One then removed the credit inquiries from XXXX XXXX but still remains at XXXX Capital One refuses to help me or remove them at XXXX Capital One ID # XXXX
Product: Prepaid card

I purchased a serve card back in XX/XX/2023 but never my money was never on it I called and they told me to send them all the information front back picture of ID front back address email I did that like three or four times I faxed it the same information they needed from my card receipt everything turned and everything we are in XXXX in 2023 and I still have not gotten my money every time I call they tell me to call back in another 10 days or email it again or fax it again no I'm not doing it or I get disconnected
Product: Debt collection

I had a 90 day same as cash lease purchase with Acima on a XXXX XXXX sectional. I paid this off in full within the 90 days period from delievery date in XXXX. This was paid off in full on XXXX, XXXX, 2020. I received a paid in full receipt on XX/XX/2020. They have reported this to the credit burea as past due, which is not true. I have proof of my lease # XXXX being paid off in full within the alloted 90 day period. I've submitted this to equifax to remove this invalidness off my credit report, unsuccessfully. I am now contacting you all for assistance to get this removed and help me out as I don't know where else to turn. 

Thank you for your assistance in this matter. 

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

On XX/XX/XXXX, XXXX shows that someone opened an XXXX card w/o my knowledge it has a balance of {$29000.00}. Again NOT ME! The info XXXX had was card number needed in XXXX, the date opened and the balance. They also had a member # XXXX. I tried several times w/ XXXX but they could not find any information on this issues. There is 2nd card applied and used w/o my knowledge. Date opened XXXX, XXXX, XXXX. Balance of {$510.00}. Card ending in XXXX. Again XXXX had no record but XXXX did? I was told to go this route. Both have opened investigations opened. Lastly there are 3 other credit requests performed w/o my knowledge, that XXXX shows on their side. They are as follows : XXXX. XXXX XXXX XXXX  on XX/XX/XXXX. XXXX. XXXX XXXX XXXX Bank ) on XX/XX/XXXX. XXXX. TD Bank ( Target ) XX/XX/XXXX. Someone obviously has my info. I have set up security lock w/ XXXX but now need to clean all this mess up. Thx
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Informative XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX