23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I was notified by a lender of debt on credit report as a result I reached out to the company and disputed the account as I didn't have a homeowners policy with XXXX XXXX. I contacted XXXX XXXX and both companies told me that if I could send proof with declarations from a different policy they would remove the debt. I have requested validation from XXXX XXXX and the collection agency specifically a signed contract/policy with my signature. What XXXX XXXX sent is backdated for XXXX but dated XX/XX/XXXX and without my signature anywhere. XXXX XXXX is only sending invoices which anyone could produce without a contract of anyone owing or obligated. There was no mutual consent, meeting of minds, nor an offer and acceptance between myself and XXXX XXXX. For approximately XXXX months emails were sent pleading with me to sign homeowners documents. As of today I still have not received any validation from the collection agency despite my requests. When I disputed the debt in XXXX, they didn't send validation. Today, I was told I would receive whatever they had in XXXX weeks but in the meantime with multiple hours of life wasted this fraudulent debt is costing my family more than the XXXX but tremendous distress anxiety and XXXX hospitalization.
Product: Credit reporting

had been financed for a medical procedure when i was XXXX. all debts had been paid off, but the medical office made a mistake and sent my account into collections.
Product: Credit reporting or other personal consumer reports

I did not provide consent to allow the sharing of my private information, and the disclosure of this information is unfair and unjust to me as a consumer. According to 15 USC 1681 Section 602 A, I have the right to privacy. Furthermore, 15 USC 1681 Section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instructions.

In accordance with 15 U.S.C 1681c. ( a ) ( 5 ), it is stated that no consumer reporting agency may include certain adverse information in a consumer report, with the exception of records of convictions of crimes that predate the report by more than seven years.

Additionally, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited for any person to provide information about a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Furthermore, it's important to note that they are not even complying with Metro 2 credit reporting standards. I have evidence to substantiate my claim. 

Here 's the list of items in question : XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$0.00}
Product: Student loan

In XXXX of this year I applied for a student loan consolidation with Wells Fargo to get a lower interest rate. My current loans were already with this bank, I had a good credit score and a cosigner so I figured it would n't be a difficult process. I was wrong. They offered an extremely high interest rate and could not give me an explanation as to why. After filing a complaint with the CFPB, they finally agreed to give me a 1 % discount on the consolidation. However, months later I realized that this is still not affordable for me. These past few months I have depleted my savings trying to pay these student loans and my other federal student loans. I asked for a temporary forbearance and was told the consolidation loan had to be at least 9 months old before I could be granted a forbearance. I then asked what my options were, because I am trying to avoid defaulting on my loans. The customer service rep encouraged me to apply for a loan modification instead, and if my loans were deemed un-affordable they would lower my monthly payment. I was told that upon reviewing my credit that my loans were actually affordable. This is not my reality and now I am forced to pay less than the minimum amount required because I can not afford to continue the payments I had been making. I do not want to default on these loans, but my servicer is not providing me with any other options at this time.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX paid my investment money in coinbase. I struggle to get my money out. It is fees on fees. Everytime there is promise to send my funds to my XXXX Just to pay the next fee I am so devastated because I invest all my savings. I stay in XXXX XXXX. I hit n wall .please I beg some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are showing the XXXX partial account number XXXX in Charge-off status for the balance amount of {$2400.00}. ( Please see page 6 of the attached credit report. ) This account does not belong to me. I never opened it and am not sure why this account is reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am resubmitted is complaint because the first time I submitted it, I forgot to add my FTC report, my ID and my Social Security card. These are the fraudulent inquiries on my report as I explained to the representative over the phone but he told me you guys havent received my dispute which I clearly sent out so I am submitted it to this platform so that I have proof.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. 

They furnished this account that we didn't agree upon, and I didn't sign an agreement on it. A legal contract is signed by two parties, and I did not participate in any of it. They didn't follow the proper 5-step validation procedure, which makes this unfair. I never received a dining letter or any communication prior to this account being furnished on my credit report. 

According to the FDCPA, I'm entitled to {$1000.00} per violation and they clearly violated my rights.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code $ 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
" ( 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 '' As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) in general : If, after any reinvestigation under paragraph ( 1 ) 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- ( ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against [ insert OC name here ] located in [ insert their city, state ]. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, [ insert OC name ] has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Debt collection

A representative called my house, my cell, and texted me in a matter of 20 at least 3-4 times, and then they proceeded to call my employer and misrepresent themselves as an employer for the XXXX Sherriff Department , they talked to three different people about a past debt, to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX now my employment is up for review, and I look like a criminal to my employers. In a time where we are dealing with a pandemic, I suffered a XXXX XXXX, which cause me to visit the E.R. and my character was defamed and defiled, by a debt collector who was abrasive, and lying about his/her position, and what they were doing. This debt is old, and should be charged off, but keep being resold for the purpose of embarrassing and harassing past clients. This is unwarranted and unlawful behavior, and will my attorney has been called and will also be reaching out out, no case numbers were left, only to say they are coming either to my house or my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft XXXX Opened XX/XX/2019 + {$130.00} Original creditor : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several dispute letters trying to get this issue resolve but Equifax continues to verify the information and still inaccurate affecting the accuracy and integrity of my credit profile. After further review it has been determined that their Metro 2 Format is not up to compliance as required to report under the FCRA and not following the required guidelines by the XXXX XXXX XXXX XXXX. 

1. XXXX XXXX XXXX XXXX Dispute sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to Equifax Validation letter sent to XXXX XXXX  for information on this account and they have failed to response Sent on XX/XX/XXXX delivered on XX/XX/XXXX A response was provided on XX/XX/XXXX saying with a summary and saying I must response within 30 days to or they will assume the debt is valid. When it was already being asked for in the first letter sent to them on XX/XX/XXXX. Also got a letter from XXXX and XXXX XXXX XXXX for the same Debt. Which why would two people have this account as a Collection account. 

Have you verified that this company is reporting my full legal name, date of birth and full social security as required in the FCRA and XXXX. 

Account type, account status and portfolio type is inaccurate. Reporting as a credit account which is a violation Deleted this erroneous account immediately Not reporting the original creditor name and creditor classification in the as required under the CDIA K1 segment Field 2 and Field 3 2. BANKRUPTCY XXXX Multiple requests have been sent directly to the third XXXX XXXX XXXX who the credit bureaus state is reporting this account. 

XXXX is unable to provide me with the information that is being reported. 

Letter was also provided directly from the Bankruptcy Court advising that they do not verify information with the credit reporting agencies. So who and where is this information coming from? 

Compliance condition codes Consumer disputes - reinvestigation in progress and has not change for over 30  days which is a clear indication that there that it is unverified This account is unverifiable and must be deleted XXXX. XXXX XXXX Payment history profile is incomplete and missing the actual payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even after your investigation, therefore the payment rating of 30 days late is unverifiable. Please delete the 30 days late payment on this account immediately
Product: Credit reporting or other personal consumer reports

On my credit report they still got me owing {$13000.00} for my flagship car loan but my gap insurance paid, and it should only have me owing XXXX. I contacted flagship and they have the correct amount of XXXX, but the credit bureau refuse to change it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I filed a dispute with regarding a collection account tradeline reported by XXXX XXXX XXXX to my XXXX and Transunion credit files. On XX/XX/2019, I received a notification that the dispute had been completed and no changes were made as XXXX XXXX XXXX had certified to XXXX that the information was accurate. Around XX/XX/2019, I received the same notification from Transunion that the dispute had been completed and no changes were made. As XXXX XXXX XXXX has failed to respond to my debt validation letters, I contacted XXXX and Transunion between XX/XX/XXXX and XX/XX/2019 requesting copies of of the documentation provided by XXXX XXXX XXXX verifying the reported collection account tradeline. Instead of providing the requested documentation, XXXX & Transunion refiled disputes of the tradeline and again reported it had been verified within 2 weeks of filing. 

Due to speed in which the dispute was resolved and because I have not received any documentation from either XXXX & Transunion, I feel that 1 ) XXXX XXXX XXXX is using a auto-validation system instead of actually researching the dispute as required by the Fair Credit Reporting Act and 2 )  XXXX and Transunion do not posses any legitimate form of validation of the disputed tradeline.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( 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 agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a 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 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 FTC Identity Theft Criminal Complaint # ( XXXX ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On this day of XX/XX/19 i learned that my credit had been pulled 3x for auto loan, XXXX XXXX, XXXX, & XXXX XXXX. They're not reflected on all my reports. i simply want the accounts & or inquiries off of my report.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( 15 USC 1681 ), Section 602a emphasizes the importance of consumer reporting agencies handling their responsibilities fairly, impartially, and with respect for privacy. I, as the consumer, assert my right to safeguard my private information, supported by 15 USC 6801, which highlights the obligation of financial institutions to respect customer privacy. CAPITAL ONE, classified as a financial institution, must adhere to Section 604a ( 2 ) of 15 USC 1681, requiring consumer reporting agencies to furnish a consumer report only based on the consumer 's written instructions. 

I revoke any and all consent for XXXX, XXXX and CAPITAL ONE to furnish my information, explicitly stating that they lack my written consent. Additionally, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information without explaining how the consumer can exercise the nondisclosure option. Capital One failed to inform me of this right. Furthermore, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from including adverse information without authorization.

The law ( 15 U.S. Code 1681s-2 ( A ) ( 1 ) ) prohibits furnishing inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e mandates agencies to maintain reasonable procedures. XXXX and XXXX are deemed non-compliant. Finally, according to 12 CFR 1016.7, it states that A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I have been a customer of Union Bank ( UB ) for many years. In XX/XX/XXXX, UB offered a XXXX card. I accepted it. Even though, I always paid my balance in full and on time every months, the UB kept charged interest and fees. I got so sick of it, I stopped use it since XX/XX/XXXX. 
Last month, I learned that the UB sent {$41.00} to a collection firm XXXX XXXX XXXX, XXXX without any advance notification or billing statement. On XX/XX/XXXX, I wrote to UB regarding this matter. The UB 's representative, XXXX called and told me to deal with the original creditor ( XXXX ) who never claims that I owed them anything. The UB refused to accept the full responsibility for their wrong action. Thank you
Product: Credit reporting or other personal consumer reports

In XXXX of 2024, I saw my credit score provided by Equifax, XXXX and XXXX was between XXXX - XXXX. These low credit score caused XXXX credit card companies denied my request for a card. 

History - Between XXXX and XXXX I paid my full credit cards ( XXXX ) balance totaling {$7700.00}. 
I have sent communication to them receiving no The only card I have is XXXX, with a balance due of {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

all my credit card accounts have been paid with XXXX balance all 3 bureaus have not and will not up date the accounts to show XXXX balance
Product: Credit card or prepaid card

Currently on my XXXX XXXX credit card I owe XXXX dollars. As of XX/XX/2018 states I owe XXXX and some change. How can I make an XXXX dollar payment in one month? This information is incorrect. I owe less than what they are saying.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's incorrect information on my credit report and I've been trying to fix it for a long time and had no luck. Account stay there open account say they're closed there is wrong information and payment information being reported and not being reported my score is contradicting the information on the report my personal information is incorrect and I feel like XXXX XXXX and Transunion have been discriminative towards my situation and very unhelpful and I'm unprofessional and resolving my issues
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX keep reporting several accounts as verified and I never received any prove stating that this was accurate. Experian sent me a letter stating that accounts could not be verified and deleted immediately. 

XXXX and XXXX are reporting one account as Bankruptcies with XXXX XXXX, and that is inaccurate I have not filed bankruptcies at all and it's no court records of that, so it couldn't have been verified and this was after a second letter. 

They are also, reporting XXXX 's which was sold off to another company and they couldn't verify the information and again Experian deleted because it was unverifiable ; as well as, XXXX XXXX which again Experian deleted, because it was unverifiable. 

I filing this and I am sending another certified letter for the third time because these things are false claims on my credit report, which can not have been verified because " Experian '' did there job and correctly removed items and I need XXXX and XXXX to do so or legal action will have to be filed due to them failing to follow section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 7 ) and 611 ( 5 ) ( A ) and legal action based on ( Section 616 and 617 ) as well.
Product: Checking or savings account

in an nutshell i am a victim of identity theft, i am in the process of fighting back against the terror that i have been plagued with. Bank of America, where my Business bank account was opened at had been compromised, after a long and through investigation, I have deducted that whoever hacked and stolen my personal information was able to compromise all of accounts, since i started the business in XX/XX/XXXX, i have reported this to the IRS. via affidavit. the transactions are consistent in high dollar amounts. They finally ended when the account ended and closed.