23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX I thought closed a US bank account in XXXX, Ca. In XXXX I was notified it had not been closed and there was a maintenance fee {$4.00} for not having any money in it followed by a " forced close account '' fee {$34.00}. Thus creating a bill. Young, XXXX and really not feeling responsible for it when I hadn't used the account in 2 years I dismissed it. In XXXX, I recieved a voicemail from XXXX XXXX XXXX asking me to contact them within 10 days or I would be taken to court. I called them and they told me I owed {$1200.00} for this US bank account " overdraft ''. I closed the account, how could I have been overdrafted and accrued this INSANE bill??? I was endangered of my wages being garnished. I asked for proof and a statement. I also asked for a settlement or payment plan as I could not afford a lien, or civil action. I did not have resources, knowledge, or internet and I already worked every chance I could. I live in a rural community and work at a little grocery store. I had a XXXX year old to take care of. The situation was frightening. They knew where I worked, my family, everything. I paid them {$620.00}, of which {$140.00} was rolled change! It was everything we had or could come up with and XXXX accepted. I recieved the letter stating the debt was paid and I owed {$0.00}. Since XXXX, there have been several attempts to either collect on this again for the full amount by other companies, or wanting the remaining balance of the initial {$1200.00}. 
XXXX XXXX of XXXX XXXX XXXX XXXX today XX/XX/XXXX wanting balance An associate firm XXXX wanting total debt from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX company I paid {$620.00} to settle These monsters are terrorists! 
I also am filing a complaint against US BANK. How can they " free for all my information '' and put me at risk to haunt me for over a decade! It was a made up debt! It was a form of punishment for closing my account! And how can debts get resold over and over? This is disgusting. I feel robbed, and I'm angry that my tax dollars help this corrupt system and gross " leaching of the poor '' practices! I helped bail you out US! How is this legal? Why is this happening in America? This is parasitic! Why is all of America 's leadership across all vectors of government NOT HANDLING THIS!????!!!?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was surprised when I saw my Credit File reporting accounts t hat I never knew or heard of. Upon further inspection, I realized that these accounts are fraudulent information reporting on my Credit report. I am now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXXXXXX XXXX : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$2400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX. ) XXXX XXXX : {$710.00} Date Opened : XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to meet its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation into disputed information on my credit report. As a result, inaccurate or unverifiable accounts remain unresolved. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian, citing systemic failures such as neglecting to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These issues mirror my own experience, where TransUnion has neither corrected nor removed the disputed items despite the evidence I provided. This inaction has caused ongoing harm to my credit standing. 

I am requesting immediate corrective action to remove or amend the disputed accounts in compliance with federal law and uphold my consumer rights. Details regarding the disputed accounts are included in the PDFs I am submitting with this correspondence. 

Additionally, XXXX XXXX XXXX provided me with a month-to-month contract at {$32.00} per month. This does not align with the debt of {$830.00} per month that appears on my report for a gym membership. Furthermore, in 2020, gyms in California were closed due to XXXX restrictions, making this debt claim even more questionable.
Product: Bank account or service

Citibank breaches information. 
Since XXXX of 2016, when I preview my statement online, I see other customers information and not mine. I have been following up with Citibank but I am getting no where. 
My big concern is : does any Citibank customers see my information like I do theirs???
Product: Credit reporting or other personal consumer reports

I have repeatedly requested negative/incorrect information from XXXX XXXX from my credit report with XXXX and Equifax. on XX/XX/2023, XX/XX/2023, XX/XX/2023. Via dispute letter along with my XXXX XXXX Police report, and my Federal Trade Commission 's Identity Theft report. I have been told that THEY ARE NOT removing the item from my report because they " XXXX '' does not remove items from My report. I spoke to an agent who gave me their name as XXXX XXXX. This item has been reported on my credit profile for 7 years, in which i requested it to be removed in accordance with FCRA. This account has been sold to XXXX XXXX XXXX XXXX and is incorrect. However also the account shows late payments reflecting the dates of XXXX XXXX, when the federal government forgave consumers for late payments on credit profiles due to covid, and consumers not being allowed to work. I have tried rigorously to work with the credit bureau and have not received respect nor help.
Product: Debt collection

I previously owed a debt to why not lease it in the amount of {$990.00}. I paid said debt to another collection company on XX/XX/2018. I have all documentation to prove it. I provided Velo Law with said documentation twice over the last year and both times they blatantly told me that they dont care if it was already paid because its owed to the also.
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. 

XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXX XXXX XXXX XXXX Account NumberXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account details Account Number XXXX XXXX, Account Number XXXX XXXX XXXXXXXX XXXX, Account Number 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 an 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.

These inaccuracies are stopping me from getting a house for my family.
Product: Credit card or prepaid card

Ah unauthorized transaction of {$1000.00} was taken out of my account at an ATM and I dispute it once and they denied my dispute and I have disputed it for a second time but the second dispute is still under investigation the website mentions a provisional credit after the dispute is past 10 business days in the investigation and they are not giving me the provisional credit and it has been 2 months since the unauthorized transaction occurred I just want my money back. It is with American Express serve
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information that's on my credit report my XXXX XXXX XXXXXXXX opening date says XX/XX/XXXX on my XXXX and XX/XX/XXXX how can my information be verified and it's reporting two different information my payment history on XXXX and XXXX is not accurate with each other and it's not all listed date last active on XXXX is XX/XX/XXXX and XXXX it's XX/XX/XXXX violation of the fcra needs to be removed immediately My capital one XXXX has inaccurate information date open for XXXX is XX/XX/XXXX date for XXXX is XX/XX/XXXX Last active for XXXX is XX/XX/XXXX XXXX is XX/XX/XXXX there's no payment history in XXXX how can it be verifed from capital one showing different information needs to be deleted immediately violation of the fcra Both XXXX and XXXX stated that everything was accurate and verified how can I be accurate and verified when they are reporting two different things
Product: Mortgage

We closed on our XXXX K renovation loan in late XXXX of 2017. First Guaranty Mortgage took over and would be responsible for dispersing the renovation draws to the contractor. The renovation process was to take 90 days. The contractor had been paid a substantial amount of money for work that was n't permitted, was n't completed, and was done poorly. First Guaranty released all these funds without confirming permits or identifying if work was done up to HUD standards. Also, First Guaranty allowed the contractor an extension past the 6 month FHA deadline without my approval. After finally firing the contractor there was an exit inspection scheduled by First Guaranty the results from this inspection determined that the contractor owed me {$27000.00}. Now I am expected to finish my project/renovation with {$27000.00} less in by draw budget. When I communicated my concern with the individuals handling my draws they said this XXXX I wish there was something more we could do. First Guaranty has offered zero support or assistance in helping me determine how to move forward with my project and often times take multiple days to answer e-mails of phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent in a letter stating that I am a victim of identity theft and have filed a police report pertaining to the inaccurate items on my consumer report. 
That XXXX tracking number is XXXX. 

A copy of the letter has been attached to this complaint for your reference. 
This letter serves as explicit written permission to remove the items in question from my report. I did not authorize these activities and am requesting that they be blocked from my consumer report as soon as time permits. 

I mailed this same letter with signature confirmation and the above-mentioned tracking number reflects that my letter has been received by an authorized representative of your company. 

Failure to comply shall lead to further complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General as well as legal action being commenced as a result of your companys unlawful noncompliance.
Product: Credit card

I rented a car from XXXX NJ XXXX XXXX for three days and prepaid {$120.00}. Upon When I picked up the car I added insurance and was given a new total of {$180.00} for three days rental and insurance for same. Upon return I did not get the car checked back in outside. I went to the inside counter and due to the long line I left left my receipt with the rental clerk with the understanding he would close the rental and email the receipt. I never got a copy of the receipt nor do I have the original agreement stating I owed a new total of XXXX. XXXX added the XXXX amounts the XXXX and the new modified reservation amount of XXXX. A new and bogus receipt was created to show I owe both amounts totaling XXXX This was a three day compact car rental. They have refused to take the XXXX from my off of my credit card and Citi cards did not properly investigate this matter. 
Citi did not honor the grace period for which I was to have to refute their " findings ''. I have filed a consumer report against XXXX after numerous attempts to resolve this with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX B XX/XX/XXXX 15 USC 1681 Section 602 A. States I have a right to Privacy. 

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years. 

15 USC 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

I have a XXXX account that shows I had a missed payment. I did pay all months and have bank statements to show that I did pay. Its significantly affecting my score and Im in the process of trying to get a loan for a house thats in my family. I also show that I have a XXXX  XXXX collection account thats been double reported.
Product: Debt collection

Convergent Outsourcing, Inc is calling and sending letters. I have never contracted with this debt collector. The original creditor has received their funds.
Product: Student loan

I am a graduate of XXXX XXXX XXXX XXXX XXXX ( my dream school since I was XXXX years old ) which I now regret. I have roughly {$130000.00} in private loans with Sallie Mae and {$40000.00} in federal loans. After graduation I was highered part time and qualified for forms of forbearance.My mother who cosigned my private loans filed for bankruptcy and is my only family, she can not help me pay what so ever. Now that I have a full time job ( and looking for a second ) and make {$430.00} a week I don't qualify for any forbearance, but still cant afford the lowest repayment options, {$590.00} a month from Sallie Mae and {$230.00} for Federal. I have a personal loan, phone payment, {$670.00} rent, and groceries I pay every month. This doesn't include electricity bills, heating bills, water bills, or any other monthly bills. I am currently in the process of moving everything over from XXXX  to XXXX XXXX, so my car insurance and car payments are not even included. I feel as though I am fighting a losing battle and do not know what else I can do
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items were erroneous. The credit bureaus are required to authenticate these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable items below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this dispute regarding inaccurate information being reported by Experian and XXXX on my credit reports. These agencies are currently reporting a bankruptcy as a voluntary dismissal ; however, this case was dismissed in federal court as of XX/XX/year>, and should no longer appear on my credit file as it is irrelevant and outdated. 

Under the Fair Credit Reporting Act ( FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information reported. The continued reporting of this dismissed bankruptcy violates this law, as the information is misleading and harmful.

Furthermore, FCRA 611 [ 15 U.S.C. 1681i ] states that credit reporting agencies must investigate disputed information and remove or correct inaccurate or incomplete entries. The dismissed bankruptcy no longer holds any legal or financial relevance and should be removed in its entirety from my credit reports.

This false and outdated reporting has caused significant harm to my creditworthiness and ability to access financial opportunities. I request the immediate removal of the dismissed bankruptcy to prevent further inconvenience and inaccuracies.

I am providing the following supporting documents : A copy of the dismissal order dated XX/XX/year>, from the federal court. 
Recent credit reports from Experian and XXXX showing the inaccurate bankruptcy listing. 
I respectfully request that the CFPB ensure Experian and XXXX comply with the FCRA by removing this dismissed bankruptcy. I look forward to confirmation of its removal or further instructions within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the incorrect items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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: Debt collection

Two months ago on XX/XX/year> I was given a call from cedars business services about a debt I owe for a trash service that I dont recognize. I proceeded to ask them for documentation of such account and was then told to wait 30 days and from said 30 days I received no email or mail of documentation of said account in question. Time goes on and have been getting calls from this debt service ( cedars ) requesting information and trying to get me to admit to said debt. Ive told this debt collector that Im willing to talk but not during work hours on XX/XX/year> around XXXX XXXXXXXX XXXX. Told them I couldnt talk between the hours of XXXX XXXX and XXXX due to work. They ignored my request of call times and proceeded to call me 6 times or more so during my work hours. They constantly call from different phone numbers and keep changing personnel everytime they call.
Product: Student loan

Called Mohela on XX/XX/22 at XXXX EST to get PSLF information about the status of my student loan. Mohela is not taking phone calls and the automated FAQs did not answer or clarify my questions and concerns. I feel my payments toward my PSLF were wrongly tallied.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company. 

Inquiry was made on XX/XX/XXXX by ALLY FINANCIAL. 


I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social XXXX XXXX XXXX XXXX XXXX number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611