23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX Account # XXXX Original Creditor XXXX XXXX XXXX XXXX Company Sold - Account Type Collection Account Date Opened XX/XX/XXXX Account Status Open Payment Status - Status Updated XX/XX/XXXX Balance {$480.00} Balance Updated XX/XX/XXXX Original Balance {$480.00} C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX This debt was removed then went back on my report. It is not accurate and it had been sold mulitple times. I also have disputed this as not mine but a family member who used my old account to add themselves to mine. It is also being reported twice and it is same account.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXXXXXX XXXX XXXX XXXX for my car payamnt. Due to my old age, i have a hard time seeing the numbers on my phone. I have recently gone through an error with my car payment. I was supposed to pay {$530.00} for my car payamet and due to my lack of vison i put in {$430.00} for my car payment. In doing so it has droped my credit score from being an XXXX credit score to XXXX credit score. In the docoumnet below as you can see that I have payed my payment in full every single year but due to one simple mistake it has cost me to lose my credit score from the XXXX mark to the XXXX mark. Sorry for the trouble and will not happen again.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts : XXXX XXXX XXXX XXXX. 
Original Creditor Name XX/XX/XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$17000.00} Amount {$17000.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # XXXX Creditor ClassificationXX/XX/XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX 2021
Product: Debt collection

In XX/XX/2024, I checked my credit report and found that the General Revenue Corp ( collection agency ). had listed a collection on my credit report. Pursuant to F..D.C.P.A. I sent The General Rev. Corp and Debt Validation Letter ( see enclosed ). No Response. Again in XX/XX/2024, I sent a second Debt Validation Letter. Again I never received any response from this company for over 90 days. So I proceeded to call them In XX/XX/2024 to ascertain as to why they never responded to my two legal request for Debt Validation. 
During this conversation with Gen Rev , Corp., I was told that they had sent this supposed debt back to the original owner of the debt. ( XXXX ) Thus the reason for this writing. General Revenue Corp is in violation of the F.D.C.P.A. as they:1. " NEVER SENT ME A DEBT VERIFICATION LETTER '' as required by law. 2. They never answered the Debt Validation Letter sent by this writer. Instead what they did was return the supposed debt back to original owner. 3. The non existent debt to General Revenue Corp. is still on my credit report.
Product: Debt collection

Eastern Account System has not provided me with the information I requested. As a there party for them to ask for me to pay a debt that is not owed to them. I was sent a letter and i do not know anything about this collection. so i am asking that EAS provide me with the following information to validate this debt they say i owe them. per FCRA law i am entitled to a fair and accurate credit rereport. 15USC 1692g How did you verify this is accurate?

Please send mean any type of documentation that you had that show that you verified this is accurate How did they validate the accuracy of this account?

Who did you talk with, name of person?

What time and date did you talk with a sales person?

What is are did that provide proof this debt belong to me?

Provide the license of Eastern Account System.

Asking to seize all communication This company is violating my consumer right to privacy pursuant to 15 USC 1681 b2 company has also No Permission to report anything using my info 15USC1681 4
Product: Credit card or prepaid card

Hello, I received emails about a ticket transaction that was unfamiliar to me. I checked my Bank of America account and realized I had suspicious activity. Charges I had not made to a company called XXXX XXXX XXXX. 

I was charged on XX/XX/2019, the transactions are on my statement as follows. 

TICKETS XXXX XXXX CT {$100.00} also TICKETS XXXX XXXX CT {$160.00} I read the instructions on their website and called. I checked with anyone that has access to your account. No one has access besides myself. If you still suspect your information was stolen, please call us at XXXX to file a claim. I called and had my card cancelled. For your protection we will close your account to prevent further use, open a new account and issue you a new credit card. They issued a new card. My fraud dispute appeared on my card activity on XX/XX/2019. 

The charge was credited back to my account while they reviewed my claim. 

I received a letter on XX/XX/2019 stating my fraud claim was not approved. I called again and asked them to renew my complaint when I saw the transaction reappear on my bank account before the letter arrived. 

I am still receiving emails from the company XXXX XXXX XXXX. They do not have an unsubscribe option and I am not comfortable calling them. This is a link I found through the email they sent. https : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I see that TransUnion and XXXX has removed XXXX off my consumer report and it is proof of my claim but has not yet compensated me for the pain and suffering and also violations. If can't resolve this issue I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages.
Product: Debt collection

A JEFFERSON CAPITAL SYSTEMS account was opened without my consent or knowledge in XX/XX/2023. I dont even know what kind of account this is or what the company is. I have not applied or attempted to open any type of account for the past year. I tried to dispute this account through XXXX and they did not do anything about it. I have been working on trying to fix my credit, and this specific account made all my hard work go out the window when my credit dropped back down. This was done fraudulently and I am going to try every way I can to remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I open up a fraud investigation on a credit card account XXXX XXXX XXXX   and its has a high balance of XXXX and I didnt apply for this card and it was open on XXXX with a credit limit of XXXX and never applied and I send experian and XXXX documents to have this account to be removed and it was put back on my credit report on XXXX and I called experian yesterday on XXXX to have the credit block in place and they refused to do so and protect me from fraud and I have a membership with experian and experian never explain that the company has a claim dept for customers who had fraud charges I have a membership with experian and they refuse to remove that account off my credit report and its hurts my score and it went down to XXXX and Im so worried about my current credit cards and they will be closed due to low credit score ... .Experian told me I need to contact XXXX to have this fruad account removed and I contacted XXXX too many times and at first they said I wasnt held liable for this account and few weeks later they said I cancel the fraud claim and I never made a request to cancel my fraud claim XXXX credit card resume it and they are taking too long to resolve it its been over a year ... XXXX and XXXX removed this account off my credit report experian refused to do so
Product: Debt collection

Date XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Victim of Identity Theft Dear Credit Reporting Agency, After reviewing my credit report I must inform you that I am NOT responsible for the listed accounts as I have been a victim of identity theft. I XXXX XXXX natural living person have never signed or contracted with Nelnet XXXX XXXX and if any papers with my name on it in wet ink is identity theft and fraud by Nelnet the debt they are attempting to collect on has been discharged by us dept of education .I am willing to file a police report and make this report known to the Federal Trade Commission Please delete the following accounts from my credit report immediately! 

Dept of Education Nelnet + XXXX acct number Best Regards, XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Product: Debt collection

Hunter Walfield, a collection agency, has been collecting a debt of {$1900.00} from me. The original creditor is XXXX XXXX, who falsely charged me and my husband of {$1900.00}, of which {$1700.00} for not giving 60 day moving-out notice and {$260.00} for property damage/cleaning. {$1700.00} was generated as a 60-day month-to-month rental fee from the notice given day ( XX/XX/XXXX to XX/XX/XXXX ), while {$260.00} was generated based on the move-out inspection form -- {$160.00} for whole apartment cleaning and {$100.00} for dining room carpet cleaning. 

I disputed with Hunter Walfield who sent me no debt validation proof but a copy of the rental lease. I sent emails to Hunter Walfield on XXXX XXXX, XXXX and XX/XX/XXXX with a detailed explanation and pointing out that there is no statement in the lease regarding any financial penalty if the tenants not giving 60 day moving-out notice. Also, The vacate form provided and signed by XXXX XXXX Manager specifically stated that if your move out date is after the lease end date, you will be billed the month-to-month rate for any days up to and including your move out date. We moved out before the lease end date XX/XX/XXXX. XXXX XXXX still billed us the month-to-month rate from XX/XX/XXXX to XX/XX/XXXX, which is absolutely a false charge. 

I have attached photos along with the email to show how well we have cleaned the apartment before we moved out. I have also attached the move-in inspection form to show the pre-existing condition of the apartment in order to prove that there was no damage made by us while living there. 

I believe the proof and evidence I have provided to Hunter Walfield are sufficient to prove that this is a false charge and we do not own any debt to XXXX XXXX. I have also disputed with XXXX, XXXX and XXXX. Yet Hunter Walfield chose to ignore the facts and not have the collection account removed from the XXXX bureaus. After 30 days, all three credit bureaus sent me a letter with " updated '' but nothing else regarding the collection account. When I called, I was told to have to go back to ask Hunter Walfield for  the collection account removal.
Product: Student loan

I submitted all my documents for the Income driven payment plan and got a letter saying that my information that I was approved for XXXX dollars a month for my loan. This letter was sent on the XX/XX/XXXX. I called on XX/XX/2019 to make sure everything was good to go and to start my automatic payment. The representative tells me that i have two different payments due on XX/XX/2019. I told her that it is impossible and that am looking at my inbox and I never got a letter stating that I had two payments. I asked the young lady why do i have two payments and why was the second letter not sent to me. The young lady said she submitted a request for review. So I asked her, so I will be paying the XXXX and that they need to figure on their end why I have two payments and not 1 payment monthly. She suggested forbearance on the second payment. I told her that, this was not an option. Please help me. I have the letters and everything sent to me.
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. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Employer : XXXX XXXX  Date Updated : XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX submitting this complaint against Equifax XXXX XXXX XXXX XXXX and there is no XXXX party involved. 


As of XXXX, XX/XX/2022 at XXXXXXXX XXXX XXXX your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within XXXX XXXX XXXX I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the XXXX XXXX compliance and FCRA Delete & purge these accounts below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Delete all hard inquires & late payments as well
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.

List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 15 USC 1681 Section 602 A 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 consent.
Product: Debt collection

XXXX XXXX XXXX XXXX was born at XXXX hospital XXXX. XXXX XXXX XXXX  submitted a balance owed to my collection report with no prior indication of a balance owed. XX/XX/ through ic systems. Debt was from improper insurance billing. XXXX supervisor XXXX stated on phone conversation that a wrong insurance was billed and debt should not be owed. Please remove from my collection report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I happened to check out what was going on with my credit report. I noticed an inquiry that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of fraudulent accounts on my credit report, which constitutes a clear violation of the law. Upon contacting the respective banks, it was confirmed that an error occurred. Furthermore, assurances by the banks were provided over the phone that the accounts would be promptly removed. Moreover, XXXX and XXXX no longer reports these accounts on their bureaus after the submission of the required FTC report. I am curious on what kind of method of verification and investigation you did to continue reporting these accounts on my report by your bureau. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. Please DELETE these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

there must be a mix I dont own these accts I have been disputing them for a while now can you please remove
Product: Debt collection

I am writing this letter to formally request that XXXX XXXX XXXXPortfolio Recovery Associates cease and desist all collection activities on the alleged account associated with XXXX XXXX XXXX XXXX XXXX Your failure to provide documentation that establishes the delivery of a written notice of collection to me is a violation of the Fair Debt Collection Practices Act ( FDCPA ). According to Daugherty V. convergent Outsourcing inc, 836 F.3d 507 ( 5th Cir. 2016 ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements.

Furthermore, upon disputing the validity of the aforementioned account, I request that you provide evidence demonstrating that the credit reporting agencies were notified of the dispute. Contrary to the requirements under the FDCPA, there are no records on my consumer report indicating that the credit reporting agencies were apprised of this dispute by XXXX XXXX XXXXPortfolio Recovery Associates . According to 15 U.S.C 1692e ( 8 ), you must have notified them when this account was disputed. As outlined in XXXX XXXX Portfolio Recovery Associates LLC, this is a costly mistake that your company has made in the past. was already made. 

As a result, I demand that XXXX XXXX XXXX/Portfolio Recovery Associates immediately cease all collection efforts related to this alleged debt. I'll have no leave me no choice but to take legal action to address these violations of debt collection regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute for the inaccurate information that early warning has on my report and they told me specifically that they cant show me proof that the information they have submitted is accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Debt collection

Loan amount : {$30000.00}. Account opened by XXXX XXXX in XX/XX/XXXX. This loan account was from a private student loan, joint account. This specific account was in deferment and was incorrectly sold to XXXX XXXX. The other person listed on this joint account bears responsibility for 50 % of entirety of the student loans as decreed by a XXXX, and as of XX/XX/XXXX, All of my student loans have been discharged due to my permanent and total XXXX. I have emailed these supporting documents to XXXX XXXX as evidence and they have not responded to this date. It's been XXXX months since I've sent the documents. Still am waiting for a response. 

XXXX XXXX purchased an account, that should never have been sold as it was in interest only deferment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The other student loans that were accrued before and after this debt was sold have all been discharged.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. These items are fraudulent and resulted from a data breach. I did not authorize these accounts or inquiries, and they should be removed under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Vehicle loan or lease

On Saturday XX/XX/2023, we got in the line at XXXX that morning at the XXXX Car Dealership on XXXX XXXX XXXX XXXX XXXX XXXX Ms. We were invited to this advertisement from a XXXX XXXX from a sales representative for XXXX XXXX The doors were supposed to open at XXXX but didn't until around XXXX. The advertisement was everything {$79.00}. My husband and I spotted a XXXX XXXX that was a part of the {$79.00} advertisement inventory. The lines were very long, and we stood outside for more than 6 hours, they had a person on the microphone being loud and saying very inappropriate and unprofessional statements. I was very tired, and my blood sugar was very low, the sales rep at this point was pushing to get my file to another office across from the car dealership that was advertising the {$79.00} deals. The car salesman was working other deals at the same time he was working mine, do the paperwork was never reviewed with us step by step. He had us to sign the area on the contract without fully reviewing anything with us. We finally finished after being at the dealership for well over 9 hours out of my Saturday. Once, we drove off the lot with the car the engine light started coming on and not to mention this car deal had nothing to do with the {$79.00} deals as it was advertised. After going through all of this, my husband and I decided we didn't want the vehicle and would return it within the time frame the law supports. The deal with the car was not completed until after XXXX that Saturday afternoon. Due to the weekend and Monday a holiday and the dealership was closed we returned the car that Tuesday early morning. We submitted a letter to the dealership stating that we are returning the car and didn't want to proceed with the deal. They took the letter but was trying to refuse our request to stop the contract and that the car was now returned and we didn't want it. We were treated very unfairly by the dealership, but we never once kept the car upon us returning it along with a letter stating we had returned the car and didn't want to proceed with the deal. I have attached documents pertaining to this claim. Now the loan company XXXX has attacked my credit rating, and we don't have the car it has been at the car dealership since XX/XX/2023. We have no collateral, and it is still at the dealership. This loan has been updated to my credit file unfairly and without any regard of us requesting the deal be terminated within the 72 hours limitations. I have supporting documents for this complaint.