23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The XXXX data breach and other breaches has severely impacted my ability to secure housing and basic services. Due to compromised credit, I've been unable to lease or rent a car, and my income is considered sufficient by landlords or dealerships but my credit history hinders me. I was unaware of these issues, especially during COVID, and some original creditors have sold my debt, making it impossible to get clear information. As a result, I am facing homelessness and severe financial barriers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CARD SERVICE XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent written demands to Credit reporting agencies and direct creditor to validate debt within the allotted time required. I have not heard back from said company with validating to debt to be mines with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple fraudulent and unauthorized inquiries. I have submitted certified letters of disputes and still have not been removed
Product: Debt collection

While reviewing my credit report I noticed a collection account from americollect. The company I assume to believe is a healthcare facility renown health. I have never been there before I live in California and this facility is in another state. I believe this is identity theft and would like this account removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

THIS CFPB COMPLAINT HAS BEEN FILED TO REQUEST PURSUANT TO FCRA 605B ( 15 U.S.C 1681C-2 ) THAT YOU, THE EQUIFAX CREDIT REPORTING AGENCY , BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS THE RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT. THIS FRADULENT, INNACURATE, AND FALSE INFORMATION CONSISTS OF A PERSONAL COLLECTIONS ACCOUNTS, CHILD SUPPORT, CHARGE OFF AND HARD INQUIRIES. THIS ACCOUNT COLLECTION, DATES OPENED ( XXXX XXXX, XXXX ) - DATE OPENED XX/XX/XXXX ) - DATE OPENED XX/XX/XXXX ) - DATE OPENED XX/XX/XXXX ) - ( XXXX XXXX ) - DATE OPENED ( XXXX XXXX ) THIS ACCOUNT HAVE RESULTED IN SEVERAL FRAUDULENT HARD IN QUIRIES AND COLLECTIONS. ALL OF THE AFOREMENTIONED ACCOUNTS, COLLECTIONS, ARE RESULT OF IDENTITY THEFT AND FRAUD. I HAVE ATTACHED A COPY OF FTC IDENTITY THEFT CRIMINAL COMPLAINT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
1 ). XXXX XXXX open date : XX/XX/XXXX has violated my rights 2 ). Bankruptcy XXXX XXXX open dateXXXX, disposition date:XXXX  3 ) .One Main open date:XXXX has violated my rights 4 ). Dept of EDXXXX open date:XXXX, has violated my rights 5 ). XXXX XXXX open date : XX/XX/XXXX, has violated my rights 6 ). XXXX XXXX XXXX open date:XXXX  has violated my rights. 


and i ask these persons/ companies/ entities/ organizations be removed my credit report due to the Congress passing these articles of law. 
First one : 15 U.S.C 1681 section 602a. States I have the rights to privacy.

second one : 15 U.S.C 1681 604a section2, also states a consumer reporting agency can not furnish a account without my written instructions. 
and lastly : 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.
Product: Credit card or prepaid card

On XX/XX/2022 my identity was stolen. A XXXX XXXX XXXX XXXX was illegally purchased by establishing a 24 month financing program under my name. I did not make this purchase, know nothing of it or the financing program, and Ive never even owned a XXXX product.
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify TransUnion and XXXX to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. In addition, I am requesting for a copy of the XXXX filed for the charged-off debt. XXXX XXXX XXXX XXXX XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXX XXXX XXXX  to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holdingXXXXXXXX XXXX XXXX XXXX XXXX  accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Debt collection

Someone used my information to open an account with XXXX XXXX XXXX XXXX.I filed a police report on the matter. Credit World Service is now reporting the account on my XXXX   Credit Report under account XXXX for {$410.00}.
Product: Debt collection

This account was opened in XX/XX/2014, it has been closed. They have switched the account to another internal account with a different account number lied about me making payments I never made to keep it active while also toying with my credit nonstop, one month they change the payment history the next month its changed again.

They have charged off the account and now all of a sudden they are also trying to put it in collections because its coming up on seven years. I have no collections on my credit and I will not stand for it Im trying to build my credit to buy a home and this corporation is doing nothing but trying to hold me down on every level on every turn. The information is incorrect they have blatantly lied over and over it must stop. I have all the records to prove this. This is beyond bad business practice this is downright lying on there part. How Can anyone get ahead in life when I have to deal with corporations like this Im just one person but I will not give in and I will prove to whoever I need to they have lied and lied and lied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this false information since XX/XX/2022. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.
Product: Debt collection

I received an alert on XX/XX/XXXX from my credit monitoring service that a new collection was added to my permanent file from CommonWealth Financial. This is a medical debt in the amount of {$1800.00}, original creditor is XXXX XXXX XXXX. This makes the third collection agency this account has been sold to and each time I have had to prove my identity to the collection agency by verifying via phone and mailing in documents that the information they used to attach this bill to my name is not mine. 
Due to my husband being in the military XXXX XXXX XXXX verified the debt was not mine in XXXX when I literally drove down to Louisiana and handed them my driver 's license, my social security card and proof of my medical coverage and I was told at that moment that none of my information matched the information they have on file so they will remove my name from this account. 
This debt was later sold to agency # 1 and i disputed within 30 days, the collection agency verified via phone that they indeed had the wrong person when I was asked to verify my ss # and date of birth. The agency even had a different spelling of my name and a different middle initial, a different date of birth and a different social attached to this account. I was asked to provide them a copy of my personal information via mail to prove I am not the person they are looking for. Debt was deleted ( not temporarily removed but deleted ) from my file. 
Within a few months collection agency # 2 sends me information stating I owe this debt, of course I dispute within 30 days and this agency sends verification of my ss #, my date of birth and the correct spelling of my name that now match the information I sent to agency # 1. 
The most recent agency, CommonWealth checked my credit on XX/XX/XXXX per XXXX monitoring services so they were provided with a valid mailing address to properly notify me yet instead, they were allowed to add this debt back to my file without notifying me and allowing me the chance to dispute this yet again. My contact information is updated with all three bureaus so by them stating they " attempted to contact by phone or by mail '' is not a valid excuse.
Product: Debt collection

What happened? 
I am in very bad financial shape stemming from a very bad employment situation I suffered, and am still suffering at the hands of my ex- employer XXXX  that left me in financial ruin, and now I have Midland Credit Management trying to further ruin me with there aggressive collection tactics and complete disregard for the XXXX, XXXX, and XXXX toll I am enduring. The nature of my complaint involved a very aggressive debt collector named " midland credit management '' whom bought two accounts, for the purpose of this compliant it will be specifically about my XXXX account. However a second complaint will be filed with regards to my other account with them. In 2017 I started working with a local automotive parts manufacture here in town called XXXX while I was enrolled in college full time. This job really left me in financial ruin, as slowly my wages were not being paid to me. Sadly, the fact that I was left without wages and the owner would string me along and promise to pay me " next week, next month '' etc, I continued to work without pay expecting to eventually receive my wages. Because I was not getting paid, my credit cards and other bills went into default. One of those is this debt XXXX XXXX bought from XXXX. I have been engaged in a 2 year legal battle with XXXX and it's owners. I have a case with the California Department of Labor and have had multiple hearings and a trial where I was awarded by the court my past due wages. I have attached the court declarations and the complaint against XXXX, so you can read first hand the nightmare I've been through. I even lost my dear Dog because I was unable to pay his continued veterinary treatment. However this judgement awarding me my past due wages has been impossible to collect, and even though I have a court order for XXXX to pay me, I have not received any monies and the situation looks extremely unlikely I will see a XXXX out of this due to the company being now investigated by the Local District Attorney 's office, and they have an F rating on the XXXX so they have zero chance of actually getting new clients. I am attaching the proof of the D.A investigation and a copy of the XXXX profile so you can see. I have implored midland to really help me with this, but instead they just transfer me to there " legal department '' like i'm supposed to be some kind of criminal. I hope once they see the proof of my terrible situation they will be more willing to work with me. I do not appreciate them making legal threats against me, when I'm simply just trying to resolve my account. they are impossible to negotiate with and I just hope these facts helps them help me pay this off at a reduced amount, and stop threatening me with legal action when I am not refusing to pay.
Product: Credit card or prepaid card

I was inside of the store today, where the store clerk asked me if I wanted to sign up for a REWARDS card, not a credit card. It was inside of a beauty supply store. The clerk asked for me name, and last four of  social, the next thing I know I have a credit card. The terms and conditions were not disclosed to me BEFORE I signed up, and they did not have my consent to run my credit, as I did not sign anything. The store clerk mislead me and didnt let me know anything about the card and handed me a pamphlet with the terms AFTER running my credit without my permission. I know my rights as a consumer, the terms and conditions had to be disclosed before I signed up for anything and they had to have my consent to run my credit.
Product: Credit card

i have applied for credit cards and i instructed then to open the credit card accounts i have had in the past and the ones they closed without proper consent as i am the owner of the accounts and they need to reopen the lines as they are mine snd i am ythe owner and they are in breach of fiduciary duty and the more they open the credit card open ended accounts for the more they make. I am being damaged as they are not running back my revenue, interest and equity which is mine. i need these credit cards that i just applied for opened too as they are committing securities fraud and if they want to withhold my access to my credits then they need to retract all applications. They still need to refund all my unearned interest and give me my equity for the use of my applications.
Product: Debt collection

I have attempted to contact XXXX XXXX in regards to this debt. Ive even attempted to dispute it on their website multiple times. They call me more than 10 times per day. I asked them to correct the website or take the bankruptcy case #. They refuse to buy continue to ask for my address. I spoke to 3 people in one day without any resolution. Theyre trying to make me miss the 30 day dispute period which is XX/XX/XXXX. Her is the case # with IC systems XXXX {$3100.00}. This was included in my bankruptcy which was discharged in XXXX of XXXX. My Bankruptcy case # is XXXX XXXX. I want them to stop calling me.
Product: Credit reporting or other personal consumer reports

I submitted this request that the credit Bureaus will reinvestigate the disputed Accounts from my credit report as well as correct these Accounts from my report during the investigation period. As of this date, they have failed to respond to my request and send any results about the disputed accounts. 
XXXX XXXX Balance : {$2700.00}, XXXX XXXX Balance : {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX refused to send my 2023 statements and didnt notify me my account was closed after I made several payments in the last 90 days from today. Today Im attaching proof they took a payment from my account the was unauthorized to applied toward a closed account
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX/XXXX/2023 XXXX XXXX  XXXX XX/XX/scrub>/2023 XXXX XXXX XXXX XXXX/XXXX/2023
Product: Debt collection

Around XXXX XX/XX/2017 I hear a loud banging of the door of my residence. I peak out my window and do n't notice the XXXX car parked right outside. 
A man keeps banging out my door and now yells if I ( says my full name ) did n't answer that he threatened to call the Sheriff 's Department. *My brother is a witness to this entire incident. 
With fear of possibly being arrested I open my door where a XXXX man in plain clothes with XXXX hair possibly in his XXXX 's hands me what is now a Summons against me that states I am being sued. He does not give me his name or where he was from.
Product: Mortgage

I AM REQUESTING ALLL DOCUMENTATION FROM MCCALLA RAYMER AND OR MCCALL RAYMER LIEBERT AND PIERCE FROM XXXX. THIS INCLUDES ANY ALL ALL COMMUNICATION REGARDING XXXX XXXX XXXX XXXX, XXXX GA XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX AND XXXX XXXX XXXX, XXXX GA XXXX. 

IN ADDITION, I AM HIGHLY RECOMMENDING ALL DOCUMENTS, LETTERS ETC BE SUBMITTED IN IT'S ENTITRETY MEANING ORIGINAL CONTENT, ORIGINAL DATE AND ORGINAL SIGNATURE. UNDER NO CIRCUMSTANCE SHOULD ANY MODIFICATION TAKE PLACE OR ANY DOCUMENTATION LEFT FOR SUBMISSION. 

SPOUSE 'S BANKRUPTCY NUMBER XXXX. RETAILIATION BY ANY PARTY IS NOT ENCOURAGED AS WE ARE RECEIVING MESSAGES REGARDING DEATH INDIRECTLY VIA MAIL.
Product: Debt collection

XXXX/XXXX/2015 XXXX law llc contacted the father of my x husband and my half brother and disclosed the amount of a debt that they claim that I owe with Best Buy which I do not. They disclosed I owe {$5.00}, XXXX and stated they asked my half brother to help pay if off for me. This debt is not showing on my credit report. The girl that talked to my half brother was trying to get him to pay half of the debt right now over the phone. I requested a letter in writing validating this debt which I have yet to see. They are still calling other people regarding this fake debt trying to find out other information about me such as who my boyfriend is and how they can contact him about getting debt paid. I explained this is illegal and read from the credit consumers Web site and they argued with me that it is not illegal. Then XXXX put a man on the phone and he started yelling at me that they have every right to contact people to collect their money to their office. I hung up after stating I am reporting their company to the attorney general office.
Product: Credit reporting or other personal consumer reports

Im really upset because unauthorized inquiries suddenly showed up on my credit report today, and I dont understand why. When I checked my credit report as usual, there were errors that weren't there before. I tried refreshing my browser to see if it was a temporary issue, but it didnt change anything. Please review the documents Ive submitted right away so this situation is resolved, and I dont have to worry about it anymore.
Product: Vehicle loan or lease

I have reached out to the company several times about their additional fees and charges, some of the payments were not published. They also have new fees that were hidden and I was not aware. They are predatory lending and I wish to have the company exposed. They are reporting false information to the credit bureaus monthly.
Product: Money transfer, virtual currency, or money service

One day out of the blue, Paypal limited my account and all they say is that my activity is somehow " suspicious '' without an explanation. Also they are putting a hold on my money for 180 days. At this time I have over {$90.00} in my account and I want my money immediately, not in six months. This is my money and I should have it immediately. To me {$90.00} is a lot of money and quite a hardship that they are keeping it, especially during this pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting negative information in reference to a student loan account. According to 15USC 1681, The banking system is dependent upon fair and accurate credit reporting. This Inaccurate credit reporting, it has directly impaired my credit profile and reputation. I would like for this to be removed immediately. I have sent numerous letters requesting removal.
Product: Money transfer, virtual currency, or money service

Somthing or someone would login into my cashapp and send money from my cash app to people that's not even in the United States... .it 's been going on for quiet awhile it would stop for a minute then they would start back with the transfer if there is money on my cash app.