23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've been receiving repeated calls from representatives claiming they are unifin contacting me for a private matter that they will not disclose unless I verify my name, social security number, date of birth and home address. I did get a representative to disclose that they were attempting to collect a debt for a XXXX  phone bill. XXXX is no longer in existence so this indicated to me that it may be a scam trying to steal my identity. I've requested on numerous occasions for a debt validation letter which I have not received. I've asked for them to verify license numbers or company credentials that they did not provide. They attempted to direct me to a website. I did not want to subject myself to malware or any other Internet attacks so I did not comply with their attempt. 
I was a customer with XXXX  over ten years ago and do not have an outstanding debt with them. Any debt they may be claiming would be well past the federal statute of limitations. I feel this is an ongoing scam to pressure citizens to disclose their private information with malicious intent and I feel I'm being harassed. This has caused a considerable strain on my life and I do not wish to receive further contact if not to validate their claims.
Product: Credit card

I opened an account with Chase that promised XXXX points for XXXX rewards. The offer did not clearly start when the offer began or ended except for " XXXX months ''. It was not clear if it was XXXX months of opening the account or XXXX months of activation. The account opened on XX/XX/2016, I received the card XX/XX/2016 and activated it in XX/XX/XXXX. 
I was charged an {$85.00} membership fee. Chase refuses to reward the points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that my information has been taken from me in theft. There is a place called XXXX XXXX XXXX on my credit report. Not allowing me to get a place to live, says I owe {$2200.00}. The date XX/XX/2016. I have never lived there. Trying to take this off my report is crazy. I have mailed out a letter to XXXX  and try to dispute on transunion. Transunion said it was sent. Some how it's still showing on my report. How do I get this off?
Product: Debt collection

I had several illnesses and I ended up in the hospital after XXXX twice. During such times I was not home and information was issued without my authorization such as credit cards and other items. This particular credit card is one of them, a XXXX amount XXXX I have tried in multiple occasions inform Rusergent or LVNV Funding to please understand of the identity theft situation but they have ignored my request.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX regarding consistent issues with my credit file, which I have been experiencing since 2019. Despite my continuous efforts to resolve these issues by contacting XXXX numerous times, I have not received any meaningful resolution. This ongoing issue has significantly impacted my ability to obtain funding and secure credit, despite my efforts to rectify the problem. 

Also having Issues with Transunion not reporting accounts Details of the Issue : Issue Timeline : I first noticed discrepancies and errors in my credit file in XXXX. Since then, I have been in regular communication with XXXX, providing all necessary documentation and following their required procedures to dispute and correct the inaccuracies. I have credit accounts that are not being shown to my file that are actively being reported. 

Nature of the Problem : The issues with my credit file appear to involve incorrect data reporting, inaccurate credit scores, and unresolved disputes. Despite submitting all relevant documentation and making multiple requests for resolution, XXXX has failed to correct the errors and has not provided any updates on the status of my disputes.

They have also reported to companies that I have no credit file Impact on My Financial Situation : These unresolved issues are having a serious and detrimental impact on my ability to obtain credit, secure loans, and pursue necessary financial opportunities. I have been unfairly denied credit and funding, despite my good financial standing, due to these persistent inaccuracies.

Attempts at Resolution : I have made several attempts to contact XXXX via phone, email, and online forms to report and dispute the errors. I have provided them with the necessary information and documentation to correct my file. However, I have not received any updates or resolutions from XXXX, and the errors remain unaddressed.
Product: Debt collection

On or about XX/XX/XXXX of 2019, We- My wife XXXX XXXX XXXX and Myself XXXX XXXX XXXX went into the local branch of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI. We told the clerk that we wanted to close our account. She helped us withdraw any monies that were in the account. We asked if there was anything else that we needed to do and she said no, that our account was closed. 

On or about XXXX of 2019, we received a notice from Arbor Professional Solutions that we owe {$780.00} to XXXX XXXX XXXX. The document states that the account is still open. This bill was a complete surprise to both of us. This was the first notice that we owed anything to the Credit Union. 

From what we have learned, XXXX XXXX XXXX kept honoring automatic withdrawal transactions without our knowledge or consent and well after we had closed the account. 

We have disputed this account through the credit bureaus with no change in result. We believe that any " hidden '' - transactions, that did not have our k knowledge or consent need to be discarded and removed from our credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX -Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information 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 correct : XXXX XXXX Balance Owed : {$130000.00} XXXX  XXXX Balance Owed : {$130000.00} XXXX  XXXX Balance Owed : {$130000.00}
Product: Debt collection

On Thursday XX/XX/XXXX a collection account was reported to my credit reports by your company, Americollect to all three credit bureaus in the amount of {$65.00}. The date opened is listed as XX/XX/XXXX. 
The notification of the negative item from my credit monitoring company is the first time I received notice of this alleged debt. This means that Americollect is attempting to collect a debt in violation of FDCPA by failing to provide a written debt validation letter with a clear notification of what the debt is and failing to notify me in writing of my rights to dispute this debt. Essentially robbing me on my right to have this debt verified. 
The FDCPA regulates abusive practices by debt collectors. As such, by operating in violation of FDCPA Americollect is subjecting me to abusive practices by willfully negatively affecting my credit rating and not allowing me access to information about this debt.
Product: Consumer Loan

I have a loan with The lending Club in XXXX XXXX, CA. My loan has a grace period until the tenth of each month. I will often call like I did today and make my payment. Today is the XXXX, Friday. They then tell me that my payment, even though I am calling it in on a friday in the morning, wo n't post until Monday the XXXX. And that my payment will be considered " late '' internally. This is fraud. You can not take a person 's payment in good faith, two days before the grace period ends, and then because YOUR company takes a few days to process the payment, mark their account as late. This is illegal. They can take my payment, mark my account as paid, and within the legal grace period and if it takes them two days to process then that 's on them. Not on the consumer. I am making my payments on time. I have each and every month. And my account has been marked late " internally '' several times due to this issue. I would appreciate this being corrected within their company.
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted ALL businesses by certified mail as well as all three credit bureaus pertaining to my issue. I have MANY hard inquiries on my accounts as result of my information being compromised and i had placed a security alert on my credit reports because of that, and even after doing so my credit was run over 20 times!!!!! I was never once notified or asked to give the identifying information required with the security alerts placed on my account, and now my credit is suffering immensely. Legal action is my next route if this does not get fixed in a timely manner, as it has already been way too long, and i have already addressed the issue will all companies involved and NOBODY has fixed their wrong doing. I was in chapter XXXX bankruptcy at the time FURTHER showing that the inquiries should not be on my account and again I was never notified or asked to confirm and allow my credit to be run!
Product: Checking or savings account

I had made complaints about fraud when I was sick with XXXX 2 times last year. 

They gave ne provisional credits and yet reversed them. I continued to give them proof and they have fought me stating they either never got the proof or that it didn't matter since my card was being used. There was no way I could use my card when I was in the hospital. 

I called over and over and was transferred but never got any results. Now they're stating that I committed fraud by moving my money I did have over to a new bank account. 

I never committed fraud. It was committed against myself and now I am in this on going battle to have them balance out my account to XXXX so I can close on good terms and keep my current bank.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft due to a data breach. 
Fraudulent accounts and unauthorized inquiries have been added to my credit report without my authorization. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file : Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I was charged overdraft fees which resulted in my account going in the negative by you hundreds of dollars. As a result my account was closed.
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concern regarding the derogatory rating present on my account. This negative rating has already had severe consequences for me, leading to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. The financial and emotional distress caused by this derogatory rating is substantial, and it will continue to adversely affect me until the issue is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, and Equifax about a collection on my account that the agency XXXX XXXX deleted. Its still reporting and dropped my credit score during the home buying process. I have disputed this matter through the credit Bureau, XXXX  and Consumer financial Protection Bureau. I contacted the collection agency through the CFPB and they said they was deleting it because its not my account but the credit bureaus are still reporting it.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  Bankruptcy Case Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX. XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
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 XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 informatin 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 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquired XXXX XXXXXXXX XXXX XXXX inquired XX/XX/XXXX I have no Knowledge of these hard inquires and according to 15 U.S.C 168 1c-2 they must be remove...
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  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX 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 XXXXnt Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Payday loan, title loan, personal loan, or advance loan

I had a XXXX line of credit, which was switched to a new company SST or Systems Services and Technologies. This is a suspicious website and Im worried that they have my banking information. They have changed the terms of my loan without any legal reasoning, and my loan is increasing without full disclosure on the one monthly statement I have received. I have only received one statement after being with this company for months. I believe this is a fraudulent company.
Product: Debt collection

I CANCELLED ACCOUNT IN XXXX OR XXXXXXXX XXXX XXXX AT ADDRESS OF SERVICE. I WAS DIRECTED MY THE COMPANY TOO SHIP PRODUCT EQUIPMENT VIA XXXX. PRODUCT EQUIPMENT WAS SHIPPEDTO AND RECIEVED BY COMPANY. BALANCE AMOUNT WAS PAID IN FULL. DEBT COLLECTORS HAS ACCOUNT AND HAS REPORTED IT ON MY CREDIT WHICH HAS TAKEN A NEGATIVE TOLL.
Product: Debt collection

Receiving harassing phone calls to provide contact information for a family members student loan debt from Navient.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and have identified fraudulent activity on my credit file. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all of the following accounts and inquiries be blocked and deleted from my credit report : Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into XXXX XXXX XXXX regarding account # XXXX. I require a complete Audit Trail of this account, as well as verification of the debt in accordance with Generally Accepted Accounting Principles ( GAAP ) and International Financial Reporting Standards ( IFRS ). Additionally, I request a copy of your Tax Registration certificate. 

Details of the Complaint : Inability or failure to substantiate the claim by XXXX XXXX XXXX will require the account # XXXX to be recorded as paid in full/settled, and the reporting of this account to all Credit Reporting Agencies and Data Furnishers must be eradicated immediately.

According to IRS guidelines, even if a Form 1099-C is not received, canceled debt must be reported as gross income. Additionally, the IRS defines a Charge Off as gross or ordinary income, which should not be reported on a consumer report. This renders XXXX 's reporting of this account inaccurate. 

Under 15 U.S. Code 1681s2, furnishers of information must provide accurate information to consumer reporting agencies. Therefore, I request proof of the 1099-C filed when account # XXXX was charged off/canceled.
Product: Credit reporting or other personal consumer reports

Currently violating : -The Privacy Act of 1974 ( 5 U.S. Code 552a ) -The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) -Laws Broken : Pursuant to Fair Credit Reporting Act 15 U.S. Code 1681a ( 2 ) reporting of excluded information ; 15 U.S. Code 1681b ( 2 ) furnishing consumer report under no permissible purpose ; 15 U.S. Code 1681c ( 5 ) reporting adverse information ; 15 U.S. Code 1681e ( B ) failure to follow reason procedures to assure accuracy of consumer report ; -Liability : Pursuant to Fair Credit Reporting Act 15 U.S. Code 1681n Civil liability for willful noncompliance Governing Law : This Letter of Intent shall be governed under the Fair Credit Reporting Act I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX 19 accounts listed below VIOLATES Privacy Act of 1974 ( 5 U.S. Code 552a ) : ***Equifax 35 accounts listed below VIOLATES Privacy Act of 1974 ( 5 U.S. Code 552a ) : XXXX 42 accounts listed below VIOLATES the Privacy Act of 1974 ( 5 U.S. Code 552a ) and VIOLATES The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

See attachment of detailed transactions Thank you