23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXXXXXX XXXX XXXX  # XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX AMERIFINANCIAL SOLUTIO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERIFINANCIAL SOLUTIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District oXXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

When applying for a credit card recently on XXXX XXXX I noticed credit cards both store and general purpose that I didn't apply for. They were sent to addresses I never lived at, and phone numbers that were not mine. I contacted the credit bureau to notify them. They put a fraud alert on my credit report, took the some of the incorrect addresses and phone numbers off and told me to contact you in order to finish the process of the errors. My credit score is extremely low because of the fraudulent activity. I am requesting that the accounts be removed from my report as they are fraudulent and hurting my credit.
Product: Credit reporting or other personal consumer reports

XXXX did a hard inquiry to my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX had asked Equifax to delete XXXX but they still continue reporting. Attached office XXXX XXXX. Please look up all the disputes I had submitted for the same issue. Do your job, no only do it, but DO IT RIGHT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXXXXXX XXXX XXXX Balance Owed : {$1500.00}
Product: Consumer Loan

CHASE AUTO MADE XXXX HARD INQUIRES ON MY CREDIT REPORT AND I WAS TOLD THAT THEY WOULD BE REMOVED BECAUSE IT WAS DONE IN ERROR AND SO FAIR THE HARD INQUIRES ARE STILL THERE HURTING MY CREDIT REPORT
Product: Money transfer, virtual currency, or money service

I contacted Coinbase on XX/XX/XXXX for help approving a transfer of bitcoins from my vault to my wallet, with the intention of selling my bitcoins ( initially it was XXXX, but now I wish to move all XXXX btc. I could not approve the transaction through my backup email address, which can not be updated on the site, so I contacted support. I was told my problem would be handled shortly. I have sent multiple follow-up responses hoping to get my problem addressed, or at least an update on when I can expect it to be addressed. My follow-up emails have all been ignored.
Product: Credit card or prepaid card

I filled a dispute with capitol one several issues regarding purchases I spoke XXXX one the mangers for dispute team she and Capitol one refuse to assists me with this issue this two credit cards I use on daily for food and necessities I need my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

The 30- and 60-day delinquency reflected on our credit reports from XXXX XXXX XXXX for XXXX and XX/XX/2019 are erroneous. Payments made on the account over the course of 7 years were current and paid in accordance with the information provided by XXXX XXXX XXXX. In XX/XX/XXXX, the account information on XXXX website reflected our regular monthly payment of {$610.00} due on XX/XX/2019. However, on XX/XX/XXXX, we received notification of a 30 day late on our credit reports from XXXX. On XX/XX/XXXX, we spoke with a representative at XXXX and was told although the principal balance on the account was now paid in full, the account should have continued to advance, and regular monthly payments would go toward the remaining fees on the account, but did not. Apparently, only the online account advanced ; Therefore, she submitted a request for the account to continue advancing, in addition to the removal of the negative credit reporting. 
In XXXX, the account information provided by XXXX reflected our regular monthly payment of {$610.00} due on XX/XX/2019. A few days later, we received notification of a 60 day late on our credit reports from XXXX. We immediately called and was told the information provided by the representative on XX/XX/XXXX was incorrect, as well as our online account information. XXXX has acknowledged their errors, but refuse to correct the negative impact on our credit report as a result of their errors. We have escalated this issue to management only to receive no return calls or resolutions. The negative credit reporting has caused severe financial hardships on our family. This experience has been surreal as we have never been delinquent in our 7 years with XXXX. The account was paid per the information furnished by both XXXX online account and representative.
Product: Debt collection

I received a phone call from a lady this morning at XXXX XXXX- it was the number of our city building- she stated that she had tried to serve me at my XXXX address but couldn't get me so she was at the city clerks office in XXXX and was going to serve me at my work if I didn't call XXXX-XXXX-XXXX and give them ID # XXXX-XXXX. I called XXXX XXXX  building and they said that no one was there to serve and they hadn't called me and she didn't know how they made it look like it was from XXXX of XXXX. She told me that they are going to turn me in for fraud for giving a bad check and they were going to my place of employment. 

I called the XXXX number after speaking with the city- the lady there told me that they were XXXX and XXXX XXXX office and they were suing me today if I didn't make the payment. That I had committed fraud and that they would serve me. I told them I wanted written proof of the debt and she told me they wouldn't provide me with it and that I would be served and the paperwork would be in that. She told me that they will go to my job- I told her I do not work there anymore and she said they'll go there to verify and then they'll find out any job I go to in the next 6 months and will serve me there if I don't pay. She said I owed XXXX but with fees and the 300 % interest I now owe XXXX and if I didn't pay today they are serving me and my job.
Product: Debt collection

I keep getting calls from XXXX XXXX to collect a supposed old debt but am on XXXX and those funds can not be attached. Previously, in XX/XX/XXXX or so of last year, they attached {$320.00} with no warning or notice from a joint account that my then payee had for me. After she dealt with them, they returned the {$320.00} and said they would not do it again. However, I have moved and no longer have a payee, and they just started calling me again. I want this harassment to stop. Can you please help, at least simply just reply ; I do not want to be ignored. PLEASE reply
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage account is reporting the account has been 30 days late which is inaccurate. I have listed below the dates of my payment and confirmation numbers, which will show the account has never gone past 30 days late. 

XXXX {$2100.00} XXXX XXXX -- - XXXX # XXXX. XX/XX/XXXX applied to your loan on XX/XX/XXXX. 

XXXX {$2100.00} XXXX XXXX -- - XXXX # XXXX. XX/XX/XXXX applied to your loan on XX/XX/XXXX. 

XXXX {$2100.00} XXXX XXXX -- - XXXX # XXXX. XX/XX/XXXX applied to your loan on XX/XX/XXXX. 

XXXX {$2100.00} XXXX XXXX -- -- XXXX # XXXX XX/XX/XXXX applied to your loan on XX/XX/XXXX
Product: Bank account or service

I had signed up for citi gold checking account promotion in XX/XX/XXXX and fulfilled all the promotion terms to qualify for XXXX american airlines points to be awarded within 90 days of fulfilling those terms. The last transaction to fulfill those terms was completed XX/XX/XXXX and had been informed thus the points should be awarded into my XXXX XXXX AAdvantage account by XX/XX/XXXX. That did not happen and I have ever since opened numerous investigations and escalations with the Citi customer service and requested it be reviewed by the executive response team to no avail. There are numerous reports of other customers having the same problem as I have which indicates this is malicious intent to bait and switch the consumer. I 'd like a resolution this immediately by Citi fulfilling their end of the terms and deposit the XXXX american airlines points to my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected rights to privacy and confidentiality under Account Name : XXXX, Account XXXX, Account Name : XXXX, Account Name ; XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX, Account Name : XXXX, Account Name : XXXX : According to USC 1681e they have violated my rights to privacy and confidentiality sharing inaccurate information about chapter 7 & 13 bankruptcy on my account please delete according to 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Overview You've paid off 0 % of your collection amount. 
Balance {$810.00} Highest Balance {$810.00} Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name 08 XXXX XXXX XXXX  Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$900.00} Highest Balance {$900.00} Opened XX/XX/XXXX ( 2 yrs, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX ( XXXX ) XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$670.00} Highest Balance {$670.00} Opened XX/XX/XXXX ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX 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 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent Inquiries on my credit report. XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>.
Product: Mortgage

Please refer to file no. XXXX - my XXXX loan modification has incurred my account balance to go even higher - now up to {$100000.00} ( see attached document ) is this the way a loan modification works ... each payment increases the balance due and the past due amount with no part of the payment towards the principal..
Product: Debt collection

On six separate occasions, both in writing and online through CFPB I have tried to get a derogatory remark that is not mine removed from my credit report. On XX/XX/2020 the original creditor, XXXX XXXX  verified in writing to my physical address that the account was NOT mine. Despite this and numerous complaints the debt collectors currently holding the file have continuously placed the account on my report. When a credit reporting agency has removed it, they've altered the name of the business holding the debt and reissued it as new under the different holding name. Besides being illegal this has made applying for a home mortgage impossible because I can't guarantee a new debt collection for {$780.00} which is not mine, as verified by the original creditor, won't randomly show up on my credit reports despite being removed on 4 separate occasions prior to this.
Product: Student loan

I have now attempted a few payments while during forbearance with Aidvantage, and despite electing to have me always be billed for my full monthly due amount despite any extra payments, I can not target specific loans. 

My understanding is both loans are uniquely payable, and I am uncertain why they are preventing me from being able to target a specific loan without advancing my due date outside of predatory means to slow my payment schedule.

I would like to have this addressed as a product feature, as it should be available as it stands today. ie. I should be able to : 1. target a specific loan for an extra payment ( a payment made after the original amount due is covered ) 2. this should not change the next month 's due date or amount due as this is static per loan ( meaning it won't advance my due date )
Product: Credit reporting, credit repair services, or other personal consumer reports

Before XX/XX/2021 I reached out to Equifax regarding a bankruptcy that is reporting on my credit file. I disputed the information due to inaccurate verification on their behalf. I was told that they verified my information with XXXX and with the US XXXX  and I would have to contact them. I went through the proper steps and contacted both XXXX and the US bankruptcy XXXX that they said they contacted. I received letter back from XXXX saying they couldn't verify it so they deleted it off of my report and the US Bankrupty XXXX that they listed stated they do not work with the credit agencies nor do they report to them. With that being said Equifax couldn't 've possibly verified this information therefore it is unverified information and it needs to be removed off of my credit file.
Product: Payday loan, title loan, or personal loan

Applied for a auto loan receive Ann inquiry 3 separate occasions Never received an adverse action letter Which is highly against the law Obviously XXXX XXXX needs to revisit the law books
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This complaint has been filed with the CFPB to request that Experian, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), block the information on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. The fraudulent, inaccurate, and false information includes an account opened at XXXX XXXX  on XX/XX/XXXX, under account number : XXXX and another personal account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in multiple fraudulent hard inquiries and derogatory items appearing on my consumer FICO credit report. 

I have attached a list of the derogatory items in question, along with a copy of the consumer FICO credit report maintained by you, which shows the fraudulent entries. I do not recognize the accounts, collections, or hard inquiries referenced above as legitimate. These items were not opened, made, or initiated by me and are the result of identity theft and fraud. 

To support my claim, I have attached a copy of the FTC Identity Theft Criminal Complaint ( # XXXX ) as evidence from the U.S. Federal Trade Commission confirming that all of the accounts, collections, and hard inquiries mentioned above are the result of identity theft and fraud.
Product: Credit card or prepaid card

On XX/XX/2020 COMENITY BANK/VICTORIASSECRET sent me a correspondence stating that I still owe a debt ignoring the cease and desist in which is in direct violation of 15 USC 1692c ( c ). COMENITY BANK continued to use obscene and profane language in which in the last company response they denied it. According to 15 USC 1692d ( 2 ) obscene and profane language is whats offensive to the consumer, this puts them in direct violation. On XX/XX/2020 I, the consumer XXXX XXXX sent Comenity bank a cease and desist, an Affidavit of Truth and an invoice. I also received statements of a consumer credit transactions in which involves a finance charge and is the sum of all charges according to 15 USC 1605. COMENITY BANK continued to report my information to the credit reporting agencies, again which is a violation without my written consent and not given the opportunity to opt out, according to 15 USC 6802 ( b ) ( 1 ) ( B ) COMENITY BANK are in direct violation. Without written consent is identity theft. I am the consumer and I have the right to refuse to pay this debt according to 15 USC 1692a ( 6 ). Reporting false information causes COMENITY BANK to be in direct violation of 15 usc 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 7 or 8 months ago, I placed a temporary freeze on my credit report with Equifax. Three or four months ago, I attempted to have it lifted. They said I needed a10-digit PIN. I have asked repeatedly to have it sent to me, and they have not responded. Two weeks ago, I received a letter from Equifax dated XX/XX/XXXX in which they said they had permanently removed the security freeze. Today, I received TWO more letters from Equifax, both dated XX/XX/XXXX, in which they said they had placed a security freeze ( again ) on my credit file. It is impossible to reach this outfit by telephone and it is clear they do not respond to written letters. How in the world can I get them to remove a credit freeze that I no longer want? I have attached both the XX/XX/XXXX letter ( freeze removed ) and XX/XX/XXXX letter ( freeze placed ). HELP, PLEASE!!!!!
Product: Credit reporting or other personal consumer reports

Please need to resolve NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. 
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 
You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
Ive already written to you guys asking for documentation of the investigation I demanded. How many times do I have to write to your team asking for this proof? It shouldnt take this long to send the paperwork that I asked for. Is your printer broken? 
I dont know how else to prove to you that I'm 100 % serious. 
I demand the following accounts be verified or deleted immediately. 
XXXX - XXXX - Please verify that this is mine? - Delete this item immediately. It is a public record that can not be verified and is incorrect. 
XXXX XXXX - XXXX- Please verify that this is mine? - Delete this item immediately. It is a public record that can not be verified and is incorrEct