23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

When XXXX first happens, I lost my job and was unable to pay my creditors. I resorted to a company called XXXX who took over my credit card debt to settle them for 50 % or less and I've been paying a XXXX unfortunately it was not brought to my attention that it would make my credit card account go delinquent and it has suffered. My credit score tremendously, even though I'm paying every single month on time to XXXX it's still not reflecting as a positive thing on my credit report. I am a single mom of XXXX and I'm struggling to make ends meet with very little resources. I would appreciate it if these creditors could understand and do their best to help me With this or waive this due to my financial hardship circumstances
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going over my XXXX  credit report and I found some inaccuracies in their reporting. Here are the facts. 
Original Balance is incorrect. XXXX  is reporting the Original balance as {$2400.00}. Original balance after interest and fees was {$2100.00} Monthly Payment is incorrect. Monthly payment varied from {$150.00} - {$170.00}. 
Status is not 30 Days late. I have documents showing every time a bill would be coming up Mobiloans LLC would send me a email copies attached stating that his account comes with AutoPay* so no action is required if youd like to make the minimum payment. Mobiloans LLC has set the standard letting me know to not worry that my account will be automatically drafted each month. 
My wife spoke to Mobiloans and they said that the account was taken off AutoPay on XX/XX/XXXX. I never requested this. 

Now it my credit report is showing a 30 day late even though this was now my fault. 

I have tried to remedy the situation to no avail I will be attaching documents
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent and do not belong to me these accounts are also reporting different opening dates as well as different balances across the three credit bureaus. 

The accounts are : XXXX XXXX  XXXX {$4600.00} XXXX XXXX  XXXX {$2000.00} XXXX XXXX XXXX XXXX {$29.00} XXXX XXXX XXXX XXXXXXXX {$190.00} These accounts are not only fraudulent these accounts are

also reporting different dates and different balances. Some are reporting paid to one bureau and charged off on the other bureau. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
Product: Credit reporting or other personal consumer reports

I accordance with the Fair Credit reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
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 Account Number : XXXX - {$0.00} - XXXX  Account Name : XXXX  XXXX Account Number : XXXX - {$800.00} - XXXX  Account Name : XXXX  XXXX Account Number : XXXX - {$0.00} - XXXX  Account Name : XXXX  XXXX Account Number : XXXX - {$0.00} - XXXX  Account Name : XXXX  XXXX Account XXXX - {$2500.00} - XXXX Account Name : XXXX XXXX Account XXXX - {$2800.00} - XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX {$16000.00} - XXXX Unauthorized Inquiries : XXXX XX/XX/2023 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX, and XXXX  with no success. They have refused to update information. Accounts to be removed : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # : Unknown XXXX XXXX XXXX XXXX XXXX Unknown , Tax Lien XXXX : XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL. Never worked at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX ARE IN Violation of FCRA 15 U.S.C 1681a ( 3 ) RESTRICTION ON SHARING OF MEDICAL INFORMATION. The are reporting two collection accounts on my consumer report that is totally inaccurate from XXXX XXXX XXXX. Under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party.saying the account is verified without stating how this account was verified. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to PRIVACY.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

There was an unauthorized charge on my American Express gift card. 

purchase date : XX/XX/2024 Amount : {$300.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian and XXXX XXXX XXXX regarding inaccuracies on my credit report. 

Despite my dispute, Experian refused to remove inaccurate information related to a timeshare account with XXXX XXXX XXXX. They classified this personal installment loan as a real estate loan and falsely reported it as foreclosed. According to federal guidelines, this account should be classified as a personal installment loan, not real estate. The correct balance as of XX/XX/XXXX is {$10000.00}, and the first missed payment was in XX/XX/XXXX, not XX/XX/XXXX as reported. 

Experian 's refusal to correct these errors, including their failure to follow federal guidelines, has negatively impacted my creditworthiness. I request that the CFPB investigate these matters and ensure that Experian complies with federal regulations to correct my credit report.
Product: Credit card or prepaid card

Capital One is not helping me with my dispute. They continue dropping my claim stating that they don't have sufficient documentation to start the claim. I have provided every single document that they asked me for to prove that I'm entitled to a full refund. They don't want to take the initiative to help me. I tried to resolve my problems several times with the merchant ( XXXX ). They have very poor customer service and they don't want to deal with me. This is why I've opted to go through my credit card company and submit a dispute through them instead. I have all the documentation that I could forward to you in order to validate my claim per your request. 

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

I HAVE SUPPLIED PROOF UNDER THE DOCTRINEOF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. Also, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. In addition, my information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I got a {$2000.00} loan from XXXX XXXX online.I paid for nearly a year, and after they automatically with drew a payment from my checking account, by mistake ( I'd switched to paper payments ) .they swore they didn't then tried to make me pay another payment! I filed for bankruptcy in XXXX, due to ANOTHER crooked outfit, a collection agency out of XXXX XXXX , Nevada , claiming I owed {$300.00} for magazines, that I didn't receive one issue from, nor one statement from! ), and quit paying them. I eventually couldn't file bankruptcy, and had a the lawyer that was supposed to have started the bankruptcy, try to get the creditors to settle a smaller amount for me.They didn't comply, thought.This past month, my credit score plunged 60 some points, due to them pushing late payments and an increase in the amount I owed! I am devastated, as I was getting ready to get a loan and pay up the bills left off from the attempted bankruptcy in XXXX.They never called me, sent me one statement, seemingly wanting to make my credit worse!
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX XXXX XXXX XXXX STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are collections account reporting on my file that i have no knowledge of. My XXXX was using my information i have already disputed numerous times with these companies and they can't provide me any signed documents and some even have my incorrect information such as my name spelled wrong and incorrect drivers license number. 
Companies are : XXXX  XXXX XXXX XXXX Last reported XX/XX/XXXX {$1.00} Open balance XXXX XXXX XXXX XXXX XXXX  Original creditor NCA Last reported XX/XX/XXXX {$2000.00} Open balance XXXX XXXX XXXX XXXX Original creditor NCA Last reportedXX/XX/XXXX {$3900.00} Open balance XXXX XXXX XXXX  Original creditor NATIONAL CREDIT ADJU Last reportedXX/XX/XXXX {$410.00} Open balance XXXX XXXX XXXX XXXX  XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$2900.00} Open balance XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX , consumer, in fact. XXXX XXXX has never sent me validation of the alleged debt that XXXX XXXX has been reporting on my Transunion report since XX/XX/2023. I do not know where they received my private information. The collections account was reported open on XX/XX/2023 ; then by XX/XX/2023, XXXX XXXX was reporting the account closed on my Transunion report still without validation and/or verification of this alleged debt. I have since then made a dispute with Transunion numerous of times and would like to know what investigation took place before XXXX XXXX was placed on my credit report.
Product: Student loan

I attempted to apply for a student loan from Sallie Mae last month on their website and got a denial. I assumed it was due to requiring a cosigner the information. The information was unclear as to actually why I was declined. I asked for a letter. I then attempted to apply with my wife online and also got denied. I was confused by this because I personally have cosigned for my wife as we are both in school at XXXX XXXX University. The second application should not have been an additional hit to my credit as I just applied and I was under the impression that any hit on my credit lasts for 30 days so I was shocked when the credit bureau alerted me about this. 

I tried to contact them several times about this and reached no conclusion as to why I was unable to acquire the loan. I then called in about the loan and I was told that the loan was denied but they did not know why but I was encouraged to do a new application over the phone. I finally took them up on that when I tried to do a cosigned loan with my father. I was then told that my loan was declined and that I or one of my cosigners had a loan in default. As both my wife and I are in school I was shocked about this. I went to all of my student loan providers Sallie Mae ( I cosign for my wife ) and Federal loans they stated that I had no loans in default and if I had any loans in default I would not have been able to receive the aid I currently have. They reiterated that I was eligible and perhaps I need to use another loan provider for my private loans. I am very leery about applying for another student loan until this matter is cleared up. 

I reviewed my credit report which also had no issues about student loan default, I always pay all of my bills on time including my house and car. Both my wife and I contacted both the national and student loan providers all having no issues with all my loans are in school deferred. Talking to the people over the phone they had a problem even finding my information or how to help me try to rectify this issue. 

This is the first time I have ever needed private student loans due to the loss of my gi bill veterans educational benefits expiring after 15 years. After trying everything I could as I a non-traditional student I have no one left to cosign for me even though I can cosign for my wife. I just do not understand this. The loan company Sallie Mae has now hit my credit XXXX times when I expected once. They have no way to evaluate what or why this is happening to me. I feel that there is something seriously wrong but I have nowhere left to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are incorrect address and incorrect names in the credit report
Product: Debt or credit management

I RECENTLY SAW IN MY CREDIT REPORTS SOME ACCOUNTS THAT DO NOT BELONG TO ME, I HAVE ALREADY TAKEN STEPS TO INFORM THE DIFFERENT AGENCIES ABOUT THE MATTER. THE COMPANIES ARE XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX I ATTACHED DOCUMENT
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I sent a letter to Equifax to validate the reporting that XXXX 's charge of the account was mine. Equifax claims it was verified, providing no information or proof of account ownership. In XX/XX/XXXX, I demanded Equifax investigate the account ownership 's accuracy. Again, Equifax provided no evidence. In XX/XX/XXXX, I demanded a method of verification of the account ownership, and Equifax provided no proof. I filed an FTC complaint, XXXX, for identity theft and submitted it to Equifax. Equifax is still reporting this account and is in violation of the FCRA in my report.
Product: Credit reporting

I have been disputing this account for more than 5 years, To resolve this matter, I hired XXXX XXXX Firm and while this account was paid in full XXXX the creditor is reporting that the account was paid in full with the same account number and they are also reporting with the same account number that it is a negative item. 

Finally I received a letter from XXXX dated XXXX XXXX, XXXX stating that the XXXX account had been sold to XXXX XXXX XX/XX/XXXX. Since this account was paid in full in XXXX XXXX, it is MORE THAN 7 years old and the good credit is the correct reporting. On each and every credit report it is duplicated and now in triplicate with XXXX XXXX showing up as well as XXXX with XXXX negative and XXXX positive for the same account number. 

I do n't understand why number an account that is paid in full was sold to an outside collection agency and why can both XXXX and XXXX funding continue to report the same account on my credit report, although the account is paid in full and is reported on the bureau to remain as good credit until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the account listed below from my credit report. This account was previously deleted and has been reinserted without proper notification or verification, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under Sections 611 ( a ) ( 5 ) ( B ), 623 ( a ) ( 3 ), 611 ( d ), and 607 ( b ). 
Account Information : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : ( XXXX ) Original Report Date of Removal : XX/XX/year> Date of Reinsertion : XX/XX/year> Background : On XX/XX/year>, I disputed the account due to inaccuracies with the information reported. After a thorough investigation, EQUIFAX removed the account from my credit report on XX/XX/year>, acknowledging the discrepancies and confirming its deletion. I have attached proof of the deletion notice sent to me by EQUIFAX However, on XX/XX/year>, I discovered that the same account had been reinserted into my credit report. This action was taken without providing me with any certification or written notification of the account 's accuracy and completeness, as required under FCRA Section 611 ( a ) ( 5 ) ( B ).
Product: Credit reporting or other personal consumer reports

XXXX  - sent certified dispute letters and request of contract no response to certified letters. {$2500.00} XXXX, XXXX National credit systems- same issue as above, everytime I dispute it comes back as accurate I never had a account with either company. {$810.00} all three bureaus
Product: Credit card or prepaid card

An account with XXXX XXXX was opened without my permission, the company is attached to a credit card from the Barclays Bank of Delaware both accounts are reporting on my credit, I don't have any business with either company I haven't used any services or credit from either company
Product: Credit reporting or other personal consumer reports

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.
Product: Consumer Loan

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I disputed the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Debt collection

According to the documents it provided. I believe I get Identity Theft because I am not in the United States and the moment, and the spelling of the signature on contact is wrong. I contacted the IQ Data to discuss the issue, and report to the credit bureaus.

I also report to the police and IQ Data and it client should validate before filling to my account. The credit bureaus even get any soft pull request from the apartment for credit history check. 

Please remove the mark that not belong to me. Thank you.
Product: Debt collection

I watch my XXXX XXXX score to see why it went down 40 points. I went the to see that the is a collection from XXXX of {$120.00}. I have an account with XXXX and I always pay my debts. I called XXXX and they have no records that I have any type of debt. I called XXXX as well and they have no records of debt. 
I would like to know why there is a collection in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated due to their negligence and non compliance with federal law. There was no authorization given verbal or written given consent to release any information on my behalf.I am willing to settle this matter without any admitted liability. I am demanding compensation for each one of these violations and I am demanding a deletion from all consumer reporting agencies.