23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

During XX/XX/XXXX, I received a derogatory letter from the company regarding a debt that should be paid off. I requested validation of the debt in XX/XX/XXXX, which the company responded promptly, but did not properly validate the debt. The company only sent a letter that they had purchased the debt and provided a contract, but no itemized payments and other pertinent information to help me determine the validity of the debt especially during an environment of increased scams. In my initial request for proper validation, I requested that the company only communicate with me in writing via U.S. Postal Mail, which they violated my right by sending me a text message in an attempt to collect the debt. 

I again, sent them a second letter in XX/XX/XXXX, requesting proper validation, outlining that what was received did not properly validate that the debt is actually owed and if they could not, they were bound by federal statutes under the FDCPA, FCBA, FCRA to cease and desist in their attempt and remove any negative reporting to the Credit Reporting Agencies. Again, my second request asked the company to only communicate with me in writing via U.S. Postal Mail, which the company sent me another text message in an attempt to collect the debt. I have attempted to secure the necessary information to determine the validity of this debt including proof of payments, but the company continues to not properly validate the debt. 

I have attached the following to this complaint : 1 ) My 1st validation request letter. 
2 ) My 2nd validation request letter. 
3 ) The companies 2nd response to my 2nd validation request, which mimics their 1st response to my 1st validation request. 
4 ) Images of the text messages received showing day time stamp of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In search for an apartment on XXXX. I reached out to the ad and the person reached out to me through text but then a link was sent to me for background check and credit reporting. I entered my social and some personal info along with my bank account info and then when I tried to login to the site again I was unable to. I haven't heard back from the person since. This is definitely a scam
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax hack has made my families personal information available to the dark web. Equifax hack check indicates 3 in my family " potentially '' have had our info stolen. From numerous articles it was indicated putting a freeze on our accounts, on all four services ( XXXX, Equifax, XXXX XXXX XXXX ), is the best thing to do. From my understanding if your information was stolen, there should be no fee for the freeze. XXXX and XXXX charged me {$10.00} each to put a freeze on and they indicate we could be charged {$10.00} for each freeze / unfreeze. 

1 ) I want Equifax to refund these fees as their hack is not my fault.
2 ) I want FREE credit monitoring from Equifax for life for everyone in my family 3 ) I want not fees to unfreeze and refreeze my accounts.
4 ) Equifax execs need to go to jail for insider trading as they sold stock after the hack and before they informed the public
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS OR ADDRESSES NOR DID I AUTHORIZE THEM AND I CALLED THE CREDIT AGENCIES AND THEY DID NOTHING!!!!! I MADE A POLICE REPORT TOO. 

XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... 
XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed off a letter to XXXX and Equifax on XX/XX/2022 of a bankruptcy that was on my credit file that needs to be removed. It been 111 days no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tired to fix this with the credit bureau, but have not got any where with XXXX, or XXXX, Equifax. I need help Getting through to these guys are like pulling teeth. I have also filed a Police Report Stating the fraud. IN ACCORDANCE WITH THE FAIR CREDIR REPORTER ACT XXXX  THESE ACCOUNTS HAVE VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES I HAVE RIGHT TO PRIVACY15 USC 1681 SECTION 604 A SECTION 2. ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCUNTS WITHOUT MY WRITTEN CONSENT. I HAVE BEEN DOING WITH PROBLEM SINCE I WAS A CHILD, IN XXXX MY REAL FATHER WAS USING MY SSN TO GET BUY DIFFERENT THING IN MY NAME BECAUSE I AM A XXXX. PLEASE HELP ME... THE CREDIT BUREAUS ARE NO HELP I EVEN TRIED TO PAY A CREDIT REPAIR COMPANY TO HELP BUT GOT NO WHERE!!!! PLEASE HELP ME GET THE ITEMS REMOVE FROM MY EQUIFAX : Account nameXXXX XXXX XXXX Account numberXXXX Account nameXXXX XXXX XXXX Account numberXXXX Account nameXXXX XXXX XXXX Account numberXXXX Account nameXXXX XXXX XXXX Account numberXXXX Account nameXXXX XXXX Account numberXXXX Inquiries XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXXg XXXX XXXX XXXX CT XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am very upset to discover unauthorized inquiries on my credit report this evening. Ive reviewed my report and attempted to resolve it by refreshing my browser, but the issues remain unresolved. I am deeply frustrated and need a swift and thorough review of my documents to ensure this problem is resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello I recently received a copy of my credit report and did not understand what was being reported- My home loan information reporting seems to be different than what I have on file. I am requesting verification of detailed account information and the dates reported to XXXX, XXXX and XXXX. 

1. Please confirm the last date reporting or updating account details to each credit company.

2. Please confirm all negative payment dates reported ( ie 30-90-120 late payments ) 3. Please confirm last payment date I would appreciate this information be mailed to me to verify my records
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX Dispute Department, I am writing to formally dispute inaccurate information on my credit report. The inaccurate information is negatively affecting my credit profile, and I request that it be corrected or removed under the Fair Credit Reporting Act ( FCRA ). 

Disputed Information : Account Name : XXXX XXXX XXXX Account Number ( last XXXX digits ) : XXXX Nature of the Error : " This account is inaccurately reported as Collection, however, I have no knowledge of this creditor or account for the amount of {$680.00}. Reported opened XX/XX/year>. 

Under the FCRA ( XXXX XXXX. XXXX ), you are required to conduct a reasonable reinvestigation of this matter and remove or correct any inaccurate, incomplete, or unverifiable information. Please provide me with a written response confirming the results of your investigation. 


If the disputed item can not be verified, I request its immediate removal from my credit report. Please send me an updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. I look forward to your response within XXXX  days, as required by the FCRA. 

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

This account was placed on my credit report for an old cable company with a balance for equipment fees. The equipment was turned in and original debtor updated to show balance owed to them was {$9.00}. I paid the balance that was remaining and original debtor shows the account has a {$0.00} balance. I have sent proof of all statements and credits to the account from original debtor to the collection company and to the credit bureaus while and disputed it multiple times. The collection company keeps reporting to the bureaus that the debt is valid and I owe a balance even with proof of payment and {$0.00} dollar statement from original debtor. They refuse to cease reporting the erroneous information and account after multiple phone calls emails and requests to have it corrected and removed. They also are reporting different account numbers across the three bureaus that do not even match the account number they gave me or the original account number with XXXX XXXX. I have tried to speak to different representatives but I am always transferred back to XXXX who states that they don't work on my time they have a business to run and that it doesn't matter if I have sent them proof of {$0.00} balance with original debtor because she shows that I owe her company a balance. I have given them ample amount of time to address this problem and they keep reporting fraudulent information and trying to collect on a debt I do not owe. They are completely unwilling to correct this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian show debt by XXXX which is outside the SOL for the state of California.

The SOL for California is 4 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this info since XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Under 15 USC 1681c-2 this need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off my Car loan in XX/XX/XXXX. There was never a payment that was late on XX/XX/XXXX or XX/XX/XXXX. Infiniti is incorrectly reporting to XXXX and I was never 30 days late on any of those payments around that time. I spoke with someone at Infiniti and made sure all my payments were good and they confirmed.
Product: Vehicle loan or lease

When we bought our car at a Toyota dealer, we bought GAP insurance through Toyota Financial Services, we paid off the car on XX/XX/2024 and had a balance in our favor of {$510.00} from the GAP insurance, we never received this money, upon contacting Toyota Financial Services they said we cashed out the check, we explained we didnt receive any check and ask for a copy of the check in order to do a police report, until now we have not received the money the owe us nor the copy of the check. Their customer service is horrendous and unwilling to help, they only repeat over and over that we cashed the check that we never received.
Product: Mortgage

There is an ERROR on my account On XX/XX/2017 we were informed about a program that we thought was to help homeowners recover from hurricane and storm expenses. As we were told for this program we were to stop payments for a year. It was our understanding that the amount accumulated for that year would then be extended and added on to the balance due on our home. Nowhere did Seterus alert us that we had to pay this money upfron. Now we are struggling to make payments and no payment plan has been offered to us. During the program, some payments were made but meanwhile, we are thinking that funds sent for the mortgage were being put towards the capital and it wasn't. During the end of the program, we paid XXXX come to find out we have to pay the rest in one payment. We never received any information notifying us on these terms and now we are being threatened with foreclosure. Please respond accordingly. 
Thank you
Product: Checking or savings account

golden one bank has fraud accounts under my name they need to be investigated and whipe and clear out the system
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B it is illegal to report anything on my credit report without my permission.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account holder under an open end consumer credit plan as late of any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : REF : Intent to file suit : violation of the FCRA I have sent XXXX previous letters to you, all by certified mail ... ..requesting that you remove inaccurate information from my file and you have failed to do so. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent Registered mailstated my reasons for an investigation and these reasons were not frivolous in any way. On XX/XX/XXXX I sent a dispute to TransUnion to dispute inquiries that was on my credit files that I did not initiate nor authorize .... knowing my rights I demanded they delete them ... .... 
It is now XX/XX/XXXX and they have not deleted the 15 credit inquiries ... ... ... TransUnion has violated my rights on numerous occasions and I demand redress. 

{$1000.00} per violation for the 15 inquiries equals {$15000.00} {$1000.00} per violation for each time I reached out to them after the initial dispute 22 timer equals {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

USAA SVG BK XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$460.00} XXXX XXXX XXXXXXXX Balance {$7.00}
Product: Credit card

American Express has been holding an overpayment balance on my account, in the amount of {$290000.00}, since at least XX/XX/year> - upwards of 90 days. 

This overpayment was requested, in the form of a refund, on XX/XX/year>. I was informed the refund would be processed, only to find out later, in late XX/XX/year>, that my request was denied. No explanation was provided for this denial, no letter or email was ever received. 

At this time, American Express has no legitimate reason to hold on to these funds and must refund my overpayment in full upon receipt of this formal complaint.
Product: Vehicle loan or lease

At least a Toyota XXXX through Toyota financial services. The vehicle was totaled by a party that unfortunately was shot and killed by police. Because the vehicle was totaled at no fault of my own the other parties insurance. Paid for the remaining of the vehicle. I inquired through XXXX, XXXX XXXX, XXXX, and Toyota on the information has been provided on my credit report. All three credit bureaus did not give me anything worth substance. Toyota never responded at all. I sent out certified letters, requesting all information and regard to this debt.
Product: Debt collection

After checking my credit report I noticed that I have a collection from a Company called LVNV Funding for the amount of {$1100.00} I have contacted LVNV via phone asking them to please send out Validations of this account not Verify them! This Company has now submitted a garnishment of my paycheck for 25 %. BY LAW I WAS SUPPOSE TO GET NOTICE OF BEING SUE AS WELL AS WHEN THE GARSHIMENT WAS ISSUED I NEVER RECIEVED ANY NOTIFICATION FROM THIS COMPANY AT ALL AND THIS COMPANY HAS NOT SUBMITTED ANY FORM OF VALIDATIONS. I WONT THIS GARMISHMENT STOP! Being that this company is not garnishing my check for IRS tax purposes or loans you must show me proof that you provided me with the summons for the lawsuit as well as the garshiment being awarded. You can not because nothing Has come to my address. I have proof of that as well because I have all emails showing mail that has come to my home. And you guys don't even have a correct address on file making this garnishment illegal.
Product: Credit reporting

Equifax will not correct errors that they placed on my credit report. I have XXXX Student Loans XXXX (Account XXXX). Equifax is reporting that I have XXXX loans. A few weeks ago they were reporting that I have XXXX student loans, so I disputed the XXXX loans opened in XX/XX/XXXX. Equifax did not remove them, despite the fact that I provided them my Loan Verification letter XXXX. Equifax instead, listed those XX/XX/XXXX loans again, making my credit report now show that I have XXXX student loans. This brought my score down. My credit report by Equifax, is showing that I have XXXX unsubsidized student loans opened XX/XX/XXXX with XXXX loans having a balance of $XXXX (adding $XXXX of debt to my credit report). They are also showing that I have XXXX subsidized loans opened XX/XX/XXXX, with these XXXX loans having balances of $XXXX each, (adding an additional $XXXX of debt to my report). Not only are these accounts showing up multiple times increasing my debt amount, but they all have a note saying I missed a payment. So my credit report shows derogatory remarks for all XXXX of these accounts and notes that I missed a payment when I don't even have these accounts. The XXXX loans that I actually do have XXXX are also being reported by Equifax; they are being reported correctly on my report and were opened XX/XX/XXXX and XX/XX/XXXX. When I XXXX disputed the information with Equifax, they did not send me an email confirmation of my dispute. A week later I tried to check the dispute online and was not able to. A message came up telling me to send a copy of my Driver's License to them. I did that with the dispute form as requested. I still did not receive the confirmation number for my dispute. Instead, when I went online to check my credit report, they had XXXX more loans added to my credit report, with notes saying, "Consumer disputes items." I was also not able to check my dispute online. I called XXXX about the issue and they told me there is no reason Equifax should have seven loan showing on my report. They told me that as long as I send them the Verification Letter which they provided to me, the error should have been corrected. It was not. I am trying to improve my credit score to get pre-qualified for a home mortgage. Lenders heavily rely on the information reported by the XXXX major credit bureaus in order to determine if a person qualifies for a loan. That is why the information should be accurate and up-to-date. Equifax is causing me extreme stress right now by reporting inaccurate information on my report, by not allowing me a way to communicate with them or check my dispute status, and by adding things to my credit report instead of fixing the problem. I would appreciate it if someone can look into this, and find out why disputed information would show up as a new account on my report increasing the amount of loans that I have. Instead of being looked into and removed. Equifax is the only credit reporting agency that has this information wrong and I don't understand it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX  XXXX Balance - XXXX XXXX XXXX  XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance - XXXX XXXX Balance - XXXX XXXX XXXXE XXXX Balance - XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance XXXX XXXX XXXX Balance - Bankruptcy XXXX XXXX-dismissed Reference number : XXXX Filed on XX/XX/XXXX Bankruptcy XXXX XXXX-dismissed Reference number : XXXX Filed on XX/XX/XXXX Bankruptcy XXXX XXXXdismissed Reference number : XXXX Filed on XX/XX/XXXX Bankruptcy XXXX XXXXdischarged Reference number : XXXX Filed on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX Equifax has all types of different names on my account. previous addresses that I did not give authorization or consent for them to report to my credit. As a consumer this is violating me and my personal information. I demand for XXXX, XXXX and equifax to delete ALL MY PERSONAL INFORMATION.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Product: Credit card or prepaid card

I had applied for the Evergreen credit card with FNBO bank ( https : //fnbo.com/ ). The application was submitted on XX/XX/XXXX ( APPLICATION REFERENCE NUMBER XXXX XXXX XXXX XXXX ) The bank asked me to submit the driving license, W2 for last 2 years and the Social security card and I faxed the documents over to the Bank a week back. The bank then said that my Social copy was NOT clear so I emailed them my Social card yesterday XX/XX/XXXX. 

Today the bank declined my credit application without any valid reason and its almost after 2 weeks I come to know that I am denied for no reason. I think the Bank is not treating all the customers equally in financial lending. Hence I am very disappointed and raising this complaint against FNBO.