23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX. XXXX  XXXX XXXX, SC XXXX Date : XX/XX/XXXX Re : Account Number:XXXX This letter is in response to your credit report entry on XX/XX/XXXX related to the debt referenced above. Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I have disputed this account for three years, I have requested proof of debt a sign contract regarding this card belongs to me with the date of the contract. XXXX XXXX XXXX has been unable to provide a sign contract to me. I have received multiply times a copy of a statement from Capital One dated XX/XX/XXXX. This statement is not proof of debt. ( Please send sign contract ) I have contacted your location and been advised that XXXX is not the owners of this account. Due to not getting the credit record removed, I will have to report this account to the XXXX  XXXX XXXX XXXX as fraud as well to all reporting agencies. Further reporting of this account on my credit file will lead to legal action. 

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I am request full verification of this debt and ownership of account along with the transaction report of how much XXXX bought this account for.
Product: Credit reporting, credit repair services, 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. Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX / XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name:XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX & XXXX XXXX XXXX, has violated my rights. 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to my rights under 15 USC Code 6802 ( b ) ( 1 ) regarding the obligations of financial institution in disclosing nonpublic personal information to nonaffiliated third parties. According to the law, you are required to : -Clearly and conspicuously discloses to me in writing or electronic form, that my personal information may be disclosed to an nonaffiliated third party ; -Provide me with the opportunity, before my information is initially disclosed, to opt out of such disclosures : -Account Name : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Account Name : XXXX XXXX XXXX XXXX also has incorrect personal information . The correct information is ; Name : XXXX XXXX XXXX : XX/XX/scrub>XXXX  Address : XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX
Product: Student loan

I recieved a loan from Sallie Mae, Now Navient, in XXXX. 

Earlier this year loans such as mine were deemed fruadulent and the Federal Government stated that Sallie Mae should cancel the loans. The criteria was that the loan be subprime OR from a list of schools, mine was on the list of Schools. The loan must have been from XXXX to XXXX, mine was from XXXX. It must have been discharged before XX/XX/XXXX, mine was discharged in XX/XX/XXXX. The barrow must have been from one of XXXX states, California included which has always been my state of residence. 

Sallie Mae XXXX Navient, has refused to cancel my loan, they are currently saying that I owe {$81000.00}. This is preventing me from purchasing a house as it shows that my debit to income ratio is to high. 

I have spoken to Navient and XXXX XXXX as well as the collection agency and specifically XXXX XXXX. They claim that my credit score at the time of lending was too high. However the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, was specifically named as being a school that was part of the group commiting fruadulent lending practices and should have never been offered as a loan. There was state and federal law enforcement actions were taken against the school. The loans deemed preditory in nature. 

I am trying to get this resolved as the stress associated with it has caused me to be given XXXX XXXX XXXX  and my therapist has even deemed that I would be elegible for a service dog due to my increasing XXXX XXXX. Other than the stuff around the limitation due to these loans there is nothing that triggers these XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies consistently make it next to impossible to change your security freeze status. When I try to temporarily lift a security freeze through Equifax 's website, my browser informs me that the page can't be loaded because it is not secure. 

These companies put zero effort into online security and that is the reason data breaches have occurred in the past. A functioning government would ensure these problems were addressed. How many millions of man-hours have been spent in frustration trying to navigate these sites? They have the resources to do better and the financial information they store should be better protected.
Product: Checking or savings account

On XX/XX/2019 my checking account with Comerica bank. I had over drawn my account {$500.00} they charged me {$35.00} for the over drawn. This some how reached to {$1100.00} I had my employer deposit a check for the amount of {$2000.00} and when I tried to retrieve money my account was already close. Then comerica bank send me a check for the amount of {$870.00} when I tried to contact them for an explanation regarding what happened with the rest of the money. Comercia states my account had closed for insufficient funds. For this I got placed on the check system for 7 years even though I paid them back.
Product: Credit reporting

I have previously reported, XXXX had agreed to remove the inquiries on my report, XXXX has been removed the other remains. The XXXX court record was paid in full, paid medical bills should be be removed. The XXXX account is reporting open, this was closed last year. I never had a loan with XXXX that should be removed
Product: Credit reporting or other personal consumer reports

There are accounts reporting that do not belong to me. I have asked these companies to provide me with documentation and their response is that they can't provide it. So my question is if you can't provide me with proof, then how are you reporting this inaccurate information without proof.The following accounts do not belong to me : 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  : {$5700.00} Please investigate this matter thoroughly and remove this from my account.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX Balance : {$2900.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} EQUIFAXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVI XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MTG XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX EQUIFAX MTG XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that the bankruptcy listed on my credit report does not belong to me, and I do not recognize it. I kindly request that you provide me with further information regarding the court case or remove this bankruptcy from my credit report. 

Please let me know if you require any additional documentation to resolve this matter. 

Thank you for your attention to this issue. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

Equifax refuses to give me my credit report. The keep saying there is no report at all.
Product: Credit reporting or other personal consumer reports

Today I requested American Express XXXX cash card for a credit increase, and they decline to increase my credit limit because my XXXX score was a XXXX. My XXXX score is not a XXXX it is a XXXX. I viewed my XXXX score through the American Express card app which displayed my XXXX score as XXXX and messages were also forwarded to me to apply for additional American Express cards. 

So, I also tried to apply for American Express XXXX card and American Express XXXX card. They did not impact the credit score but was denied. 

American Express is not reporting or accessing my correct credit or XXXX score and because of it I was denied a credit line increase as well as obtaining additional cards with American Express company. 


I recently filed a complaint on XXXX for incorrect credit reporting a few weeks ago with your organization. Since then, my XXXX XXXX has increased. However, My XXXX score should be higher than the general Credit score which is a XXXX XXXX score.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX. XXXX XXXX XXXX JXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXXl, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Vehicle loan or lease

I posted a payment on XX/XX/year>, in advance of the XX/XX/year> due date. Bridgecrest ( the lender ) then advanced my due date. They still conducted the XX/XX/year> auto-draft. They are refusing a refund without a bank statement, which won't be generated for another month. This is causing me a financial hardship. I also believe it's a violation of CFPB payment policies, as a reasonable consumer would expect the regular payment not to draft if a payment had already been made and the due date advanced.
Product: Credit reporting or other personal consumer reports

I found inaccuracies on my credit report in accordance with 15 USC 16c-2. I believe this information is incorrect and harming my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed that after I dispute some information the Credit Reporting Agency ( XXXX, TransUnion, XXXX ) like to leave comments on each account.

I have asked them in multiple letters to remove ALL comments from each account, especially the words, Dispute Resolved - Consumer Disagrees or Consumer disputes after resolution and Comments that include the payment history??? Why is this even necessary, these comments are intentional AND detrimental to me personally, financially, and to me advancing my career.

I have NEVER asked that these statements be made on my behalf. These statements/comments should be erased immediately.
Product: Debt collection

Hunter Warfield took collection from my former leasing company XXXX at XXXX XXXX. Despite the fact the XXXX had my email and I left a forwarding address they never sent me a bill. I was totally unaware of the amount owed until I started receiving frequent and aggressive calls from Hunter Warfield. I informed them that I have never received a bill or any type of notification from XXXX at XXXX XXXX before being turned to collections. The collector Hunter Warfield had been calling me for months before they finally sent a summary of an amount owed with no details. I have been unable to validate the bill or what I am even being billed for to date. I informed Hunter Warfield that refuse to make payment on a bill I am unable to validate. I also don't think I should see credit impact without first being informed what my charges are for in detail. I was never even given that chance to resolve the bill with XXXX and now am unable to substantiate charges to work on resolution with Hunter Warfield and in the mean time I continue to be charges interest and have my credit negatively impacted with no real means of solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information being reported by the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I looked at my credit report on-line prior to applying for credit for a new vehicle and noticed a medical collection on my credit bureau I had no knowledge of.
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. 


Account Name : 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/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 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

Hello, I wrote my first dispute on XX/XX/XXXX and did not receive anything back from XXXX  and XXXX. Experian sent me an incomplete letter ( which i know now it was a stall letter ). I now sent a second round on XX/XX/XXXX.  However, they did not answer my first dispute and according to the Fair Credit Reporting Act that they had more than 30 days they need to delete the information on my credit report. This is hurting my credit worthiness. I do not want the credit bureaus sending a letter saying they are investigating when they have had since XX/XX/XXXX. It is now XX/XX/XXXX and I have yet to receive anything else.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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 und 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

Dear Transunion Consumer Solutions, I am writing to formally dispute the inaccurate reporting of a bankruptcy record on my file. As per the attached correspondence from XXXX XXXX XXXX XXXX, the bankruptcy record ( Case Number XXXX ) has been removed from my XXXX credit profile file following their re-investigation. It is common knowledge that Transunion Consumer Solutions relies upon XXXX to verify public records, namely Bankruptcy cases. 

Despite this resolution, I have reason to believe that this incorrect information is still being reported by your agency to my credit report. Under the Fair Credit Reporting Act ( FCRA ), which detrimentally, and adversely affects my creditworthiness. 

I am requesting that you conduct a re-investigation and remove all references and instances to this inaccurate bankruptcy record from credit lines on my credit file. 

Please find attached a copy of the letter from XXXX confirming the removal of this record. 

I request that you : XXXX. Investigate and verify the accuracy of the bankruptcy record reported on my file. 
XXXX. Remove any erroneous information related to this record if it is found to be inaccurate. 
XXXX. Provide a written response confirming the outcome of your investigation. 

I expect a response within the time frame allowed under the FCRA. If the inaccurate record is not removed, I will exercise my rights to further dispute this matter and escalate it as necessary. 

Please confirm receipt of this letter and provide updates on your investigation. 

Thank you for your prompt attention to this matter. 

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

I

have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Mortgage

i asked for a lost midagration and filled it out the sent me an email on XXXX with out a decsion when i called them and asked what the decion was thy got super snotty and said it was denied and we wont the XXXX is due in our office today i got nothing in writing to this matteri aslo got told take your money and find a new place to live we dont want your home so i tryed to make a payment arrangement thy didnt care thy wanted last months and this months payment today with nothing in writing what so ever i asked a nonprofet to help i havent hurd back from them so i called another thats going to help me i told 21st mortage i was going to wire money to them what i had but hade to go to the nonprofet place got called a lier fronm 21st XXXX thy will deni just like if your one day late will sue you that thy claim thy didnt say a payment was sent to them befor and thy put it on the wrong account and reported i was latewhen i wasnt we repot acterly no true i told them thy put it on wrong account and thy said it was late due to a mistake thy did and wont correct it when my wife XXXX XX/XX/2001 thy been trying to take my home away from me it was wrong thy told me money was due today with out and writing to me or the denial of the lost midagration and thy want money today by XXXX or else why didnt i get anything in writing insted of a DEMAND OVER THE PHONE XXXX by XXXX XXXX today and we will not help you all this over XXXX payment i have a wage garnisment orderd by court im paying thy know this this is wy ive been paying biweekly and thy said it was fine now this i think this company needs to be investagated also im paying on a XXXX XXXX i need and i told them the county has leains on my home due to my wifes XXXX XXXX she had to have plus her XXXX put a lean on the home though XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute with Experian in XX/XX/XXXX asking them to remove inaccurate information on my credit report.The 2 accounts that I asked to be removed were reporting inaccurate dates, amounts and account numbers on Experian and XXXX. The dispute results from Experian came back verified as if no real investigation was even done and obviously no investigation was done because the account ( XXXX ) came back as accurate but displayed Charged off from XXXX XXXX XXXX, 2 on time Payments after XX/XX/XXXX ( XXXX XXXX ) then back to CO status until XX/XX/XXXX. Experian did not do any investigating
Product: Debt collection

XX/XX/2022 XXXX collection sent bill XXXX of 2022 for {$280.00} from XXXX energy. When I contacted them, I was told I have XXXX other accounts opened for green mountain for {$450.00} from direct energy for {$370.00}, and from reliant energy for {$120.00}