23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureau never did a propre " investigation " according to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such information.

they did not do this.

Also, they have violated my right even more in accordance with the Fair Credit Reporting. 

The credit bureau stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. 
They also violated the law, because according to 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 Comsumer reporting agency can not furnish an account without my written instructions. 

I did not give anybody written instructions.
Product: Debt collection

I emailed the National Credit Systems at the email given on the website XXXX on XX/XX/XXXX and they have not responded. 

I am emailing you about this complaint XX/XX/XXXX I'm assuming they are collecting a debt from an apartment complex I use to live at and they did not notify me they were trying to charge me for the cleaning services. 

I went to the website XXXX XXXX XXXX And I put in the amount owed ( {$600.00} ) and my social security number and nothing showed up. Clearly on my XXXX  Credit Report it shows a balance owed of {$600.00} from " XXXX XXXX XXXX  '' which is the company that hired National Credit services to charge me for the debt. 

On the website link XXXX XXXX XXXX It clearly states on the website " To obtain account information and/or make an online payment, you must login by entering any two of the three fields below. '' But that is a lie. 

I can't call them during business hours because I'm always working and I can't have my cell phone at my job.
Product: Debt collection

I, XXXX XXXX, would like to submit a complaint against Educational Credit Management Corporation and XXXX XXXX for taking collection activity on me for time-barred student loans they are not permitted by law to collect on. These entities also blocked Title IV Federal Student Aid benefits I was entitled to for semester Fall XX/XX/2018. They lied on the amount, character and legal status of the loan to facilitate a loan rehabilitation agreement in which they collected monies from me. I submitted timely objections per the loan rehabilitation agreement citing all the reasons I made in this complaint and they have gone unanswered. They sent me a letter stating that they was going to wait for the submission of documents for me in regards to a loan discharge due to a XXXX after they told me on the phone that they wasn't going to process it. I understand that CFPB is empowered by law to enforce the Fair Debt Collection Practice Act and subsequent state law.
Product: Debt collection

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account name : COLLECTION Account number : XXXX Account name : COLLECTION Account number : XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XXXX XXXX Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I'm trying to purchase a home and I realized that I have damages on my credit report from all 3 credit bureaus ; Experian, XXXX, and XXXX. I notice that some incorrect names and addresses are connected to inquiries, credit cards, and charge-off accounts that are currently reporting on my credit report and significantly impacting my score. According to the 15 USC 1681 law, there should not be any damages on my report. It's a defamation of my character.
Product: Mortgage

Last year while I was with Amerihome mortgage, after much trouble due to miss information given to me by their account agents, I made a large payment in XXXX in order to pay down my principal. Once the payment went through, I spoke with an agent who informed me that the payment amount would be reworked, and he gave me no further information. I did not know at the time that it was called a recast, and that there was a fee attached to it. The agent gave me none of this information. 

When I went online XXXX XXXX to make my payment and saw that the amount and not changed, I immediately called them to complain. It was at that time. They told me that I had to make a formal request to have the payment recast. This is the first time I had heard that term I was not given any information regarding a fee in any way shape or form. I then wrote a letter and signed it, asking for the recast. It was emailed to them in around XX/XX/XXXX. Shortly there after I got a note from them telling me that my mortgage was being passed off to The XXXX XXXX 

I called him XXXX XXXX  to ask them about the payment amount, and they informed me that my note could not be recast for another XXXX months, that it would cost me {$300.00}, and then I would need to pay another large sum towards the principal. Needless to say this ticked me off to no end, but as I was very busy at the time, I figured I could make it through another XXXX months of payments. At Least they gave me accurate information, which I can not say for Amerihome mortgage! 

But no!! Just as the XXXX month period rolls around, they passed me off to yet another company, who is giving me the same story! I feel like I will never be able to get this fee reduced, and it is really eating my lunch. I hope you can help! Thank you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I do NOT want any name, address, SSN, or date of birth other than what I listed in this letter to be retained or reported. Please, DELETE any other personal information that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information. 

Listed below are the Personal Information that are being challenged| : Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Incorrect Name : - XXXX XXXX XXXX Employer - EMPLOYED Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Employer - XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX
Product: Credit card

I am writing to file a complaint regarding Citis handling of several disputes I submitted for transactions on my credit card. Despite following all necessary steps, I have encountered the following issues : 1. I submitted additional documentation via fax to support my disputes, but Citi failed to attach my documentation to all of my dispute cases. 
2. Citis responses to my cases were inconsistent. Even though I provided the same documentation for each dispute, Citi approved some cases and declined others without clear justification. 
3. I am unable to access Citis online dispute center to review or track the status of my disputes, further complicating the resolution process. 
Given these issues, I am requesting that Citi conduct another review of the disputes that were previously declined. I believe my documentation supports the validity of my claims and that these cases should be approved.
Product: Credit card

Paid off my balance of {$1600.00} later received bill stating previously balance was XXXX With new balance of {$70.00} When I called customer service to ask about the additional {$18.00} I was told it was interest on a balance of XXXX. I told Target this was not correct Because I only owe {$52.00}. Was told in late XXXX to just pay the {$52.00} So I paid it on XX/XX/XXXX since it was due by XX/XX/XXXX. Today XX/XX/XXXX. I called Target since at my request I asked that this account be closed back on XXXX XXXX. Just was checking to see if payment was received. I was told I had to pay the interest Again I explain to customer service what I was told about the interest and that it was wrong.Target own customer service said I didnt have to pay the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent inquiries reporting on my credit report, I have now set a fraud alert to my credit bureau account to prevent this issue in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove bankruptcys from my credit report. They should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a collection as agreed for the deletion but it's still showing on my credit report account was settled on XX/XX/2021
Product: Credit reporting or other personal consumer reports

Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Credit Report Dispute Inaccurate Information Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report. I recently reviewed my report and found the following errors that must be corrected in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : 1. XXXX XXXX Invalid amount owed, account no longer owed nor company never provided proof of ownership. 

2. Incorrect Inquiry XXXX XXXX Inquired on XX/XX/XXXX : this inquiry was not authorized by me and should be removed. 

XXXX Inquired on XX/XX/XXXX XXXX this inquiry was not authorized by me and should be removed. 


3. I have no knowledge of accounts : * XX/XX/XXXX * XX/XX/XXXXXXXX XXXX * XX/XX/XXXX* XXXX XX/XX/XXXX I have attached supporting documentation ( such as payment records, settlement agreements, or correspondence ) to substantiate my dispute. The FCRA mandates that Experian conduct a reasonable reinvestigation and ensure the accuracy and completeness of consumer reports. Additionally, based on the recent CFPB complaint ( Case No. 8:25-cv-24 ), Experian has been found to have systemic issues in handling disputes.

Please correct these inaccuracies immediately and provide me with a written confirmation of your findings. If you fail to comply, I may escalate my complaint to the CFPB and seek legal recourse.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This company is on my credit report for a XXXX bill that I do not recognize. On XX/XX/XXXX I sent them a dispute requesting that they validate the debt and prove that it belongs to me. As of today, I have never received anything from this company in writing providing proof that this debt belongs to me, nor did I receive anything prior to them placing it on my credit report.  On XX/XX/XXXX, I notified the credit bureaus that had requested debt validation and that I had not received nothing, with the hopes that they would have the agency validate with me. At that time they opened a dispute and 48 hours later I was sent notification from XXXX  hat the debt was updated as valid. I am asking for help because am wondering, how can a debt be deemed valid if I have never received validation, even after sending a request in writing. FCRA says if the debt is not validated within 30 days the bureaus must remove said debt and that is what I want done.
Product: Debt collection

XXXX XXXX, XXXX. Calls repeatedly, often multiple times per day. When I answer there is no one there and the call disconnects, so I can not ask them to stop calling. I have no outstanding debt of any kind, so should not be receiving these calls. I work nights, and the calls normally start between XXXX and XXXX, and continue throughout the day. 
Just called again today, Monday, XX/XX/18 at XXXX. Called Saturday, XX/XX/18 at XXXX XXXX. Friday, XX/XX/18 at XXXX XXXX. I could go on and on ...
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX  XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX  ( XXXX XXXX ) Account # : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : 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 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: Money transfer, virtual currency, or money service

my name is XXXX XXXX XXXX, on XX/XX/22 I sent {$2000.00} to my brother in the XXXX XXXX through RIA money transfer through the internet. the following day on XX/XX/22 when my brother went to retrieve the money, a teller at the bank told him that the money has already been given to the receiver. My brother told her that he is the receiver and he did not take the money. The teller told my brother to contact me who sent him the money so that I can contact RIA money transfer to report fraud. When I called RIA, they told me to give them one week for investigation, and after their investigation if my brother is not the one who received the money, they will reimburse my money. when I called them a week later, they sent me the ID of the person who took the money. The person used my brother 's name to make a fake ID to take the money. As you will see the person use another picture than my brother, different DOB, different profession in the back of both ID, different city of birth, different date that the ID was established and different day of expiration, different name of my father and my mother, different DOB of my father and my mother. when I called RIA money to return my money, they told me to have my brother to contact the local police in the XXXX XXXX, which he did. The police is asking him to provide the date, the time, the name of the bank, the city where the money was taken. I called RIA and asked to provide me this information. When I called them, they told me to call back.
Product: Debt collection

XXXX started calling XX/XX/year>. At first it was only once a day, they asked for my information and when asked who was calling they would hang up. This happened for the rest of XXXX. Into XXXX and XXXX, this company continues to call anywhere between XXXX times a day, when I answer they wont speak and hang up the call. XX/XX/XXXX I spoke with someone about having my name taken off a calling list as they wont describe what they are calling about, and they said they would do this. Since then I get calls anywhere from XXXX every single day. It is impeding my ability to do professional duties, home life duties, and is harassing. But still no one will let me know why they are calling or address their names only asking for my name. Their number is XXXX
Product: Checking or savings account

Being a recent XXXX  at age XXXX, I responded to a XXXX  notice of payment. I was told I was being hacked and to call my bank, XXXX  XXXX XXXX. I called the number on the back of the debit card and asked for the fraud department.The fraud investigator that someone at my branch had sold my identity and not to trust anyone there. I was also told that telling anyone about this would put my children at risk since the hackers knew everything about us and where my grandchildren went to school. My computers and phone were hacked. Without my authorization, they emptied {$250000.00} from American Express XXXX XXXX XXXX, XXXX XXXX XXXX for {$250000.00} and XXXX XXXX  for {$100000.00}. I have been with American Express for over 20 years and NEVER have taken any money out of that account. The hackers created a new link to a different bank ( XXXX ). All deposits were always done by a linked XXXX  XXXX XXXX account. I was never notified that there was any large activity in my account. The " investigation '' ( without considering a XXXX year history ), found no wrongdoing. The hackers also created an account in my name at XXXX  XXXX XXXX where they siphoned funds from my linked bank accounts to their account. I wasn't notified that a new account was created. I contend that XXXX  XXXX XXXX is culpable in additional activity that came to another {$450000.00}. I have indicated to these banks that I have a police report, FTC number, FBI report, and I have even met with the XXXX XXXX. I am disheartened that an institution such as American Express did not thoroughly investigate the withdrawal of {$250000.00} in a matter of days.
Product: Debt collection

Blitt & Gaines, P.C. for XXXX XXXX XXXX XXXX 
Blitt & Gaines, P.C. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX Account # ending : XXXX Filed a lawsuit without sending a demand letter, validation notice or debt validation letter not allowing me to get verification of the debt. Violating my ( FDCPA ) rights. 

Filed a lawsuit on XX/XX/scrub>XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have asked XXXX XXXX several times for debt validation as well for information regarding their ability to collect. I have not received any response at all in the last several months. I have also sent letters to all three credit bureaus asking for information about this debt, they have contacted XXXX XXXX who has certified that the debt is valid and they have the right to collect yet I have received nothing at all regarding this.
Product: Debt collection

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/2022. I received a response with an itemized list of charges they claim I owe. I then mailed a second letter validation letter, which they received XX/XX/2022. 
I have given well over 30 days for the company to verify this erroneous information with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?
Product: Debt collection

A man by the name of XXXX XXXX contacted me today ( XXXX ) with a phone number of XXXX. However the phone number that appears on my caller ID is XXXX with unavailable name. When they leave a message they state that they are attempting to collect a debt with XXXX as the company name. Today when the man called ( XXXX ) he was very rude and told me that he needed to speak to my husband XXXX immediately! I told him that he was at work! He wanted to know where he worked and I just told him in XXXX. I told him that I was his wife and asked if I could help him .... he said he needed XXXX 's social security number and I asked what the company name was and he would n't tell me so I told him that I would n't tell him the social security number. Then he asked for his date of birth ... again I told him I was NOT giving him any information unless he told me what company it was for. He said that he could n't give me any information until he knows if it 's the right person. I '' M NOT GIVING HIM ANY INFORMATION!!! I DO N'T KNOW THIS PERSON!!!
Product: Vehicle loan or lease

I was apart of a joint auto loan that was taken out on XX/XX/XXXX for {$15000.00} with Santandar Consumer USA. This account was paid $ XXXX monthly until XX/XX/XXXX for a total of 64 months totally {$26000.00}. I have called several times a year starting in XX/XX/XXXX and sent many disputes to both Santandar and the 3 major credit report requesting an amortization schedule of payments and correct reporting of this loan. The Truth Lending Act requires creditors to give consumers written disclosure of important terms of the loan before they sign. This includes the APR, finance charge, monthly payment amount, payment due dates, amount financed, length, and any charges for late payment. The key word here is " written ; '' no word of mouth promises will do. On my credit report dated XX/XX/XXXX there are discrepancies in the amount still owed on the account after voluntarily surrendering the vehicle in XX/XX/XXXX. How is it possible to pay on a vehicle for over 5 years and still owe a balance of {$12000.00}? This is only a {$3000.00} of principal applied on a 60 month note. The amount owed is a guess as it varies on my different credit reports. Santandar won't cooperate with my request and the credit bureaus have failed me in accurate reporting. This loan is ruining life and credit profile and I have exhausted all options to get this account rectified. Predatory lending is any lending practice that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower doesnt need, doesnt want or cant afford.

Below are links to lawsuits against this company. Please see attached.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am not liable for this debt with IQ DATA INTERNATIONAL IN. I do not have a contract with IQ DATA INTERNATIONAL IN. They did not provide me with the original contact as I requested.