23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello. Thank you for taking my complaint and assisting me with this matter. The reason for my dispute is because I am having a very difficult time with a collector who has already admitted the collection account they are working is not valid. 

Back on XX/XX/XXXX I hired a firm to assist me with dealing with a collector because they were collecting an amount I know is not owed. To make this complaint short yet concise, since XX/XX/XXXX, we have been attempting to have this collector prove that this debt is real. We've asked for itemization and contracts and have technically received both. The problem is that their own contract proves this debt is not legitimate. 

After 2 months and several conversations with multiple collectors later, my representative spoke with a collections manager named XXXX XXXX at XXXX XXXX. XXXX XXXX is the name of the collection agency. XXXX XXXX admitted in their conversation on XX/XX/XXXX that the itemization was faulty due to the language in the contract. XXXX XXXX is charging me a forfeiture of deposit fee for the same amount of my deposit even though I left the apartments in good standing and was even given a {$250.00} pet deposit reimbursement back for doing so. Because they are charging me a forfeiture of deposit fee, instead of deducting minor cleaning charges and reimbursing me the remainder of my normal deposit, they are now charging me {$350.00}. On XX/XX/XXXX, the account had been in dispute for 51 days through my representative. Because the F.D.C.P.A. only allows 30 days to validate the debt which in this case it wasn't since the contract did not support the itemized charges, my representative demanded a removal within 24 hours or this complaint would be filed. XXXX said she would ask questions to her client and call him back. She never did. 

Today, my representative gave them one last chance to remove the account from the credit report since no response or correction or proof of any kind had been provided, and now the manager XXXX XXXX is not around to adhere to the F.D.C.P.A. and apparently no one else in the office can assist with this. It has now been over 60 days and this account still lingers on my credit report. 

I am asking that you assist me in getting this company to follow the law and stop collecting a debt they already admitted isn't legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a home loan and was denied because of a bankrupcty that is not mine reporting on my consumer report. I contacted the Courthouse and was told they DO NOT report information to anyone reporting agencies so I submitted a dispute with the XXXX and was told this information was provided by Lexis Nexis which is inaccurate. I sent them a letter over 30 days ago disputing these false inaccurate records because I have never filed bankruptcy nor does this company have permissble purpse to furnish my personal information and this is a violation to my right to privacy. They have ignored my request nd if this is not deleted I will have to seek legal action.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN./ XXXX XXXX XX/XX/XXXX EXPERIAN. 
XXXX XXXX XXXXXX/XX/XXXX EXPERIAN. 
XXXX XX/XX/XXXX XXXX. 
XXXX XX/XX/XXXX XXXX. 
XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN. 
XXXX XXXX XX/XX/XXXX EXPERIAN. 
XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XX/XX/XXXX XXXX.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- {$2400.00}
Product: Credit card

Hi, I opened a card with CareCredit and was approved for XXXX. 

My credit limit was XXXX until XXXX 

On XXXX statement, the credit limit was changed to {$810.00} without notice. 

Without any missed payments or any notices, they lowered my credit limit. 

This is a deceptive practice they are continuing to do for many consumers and needs to be investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

The age of the account ending in XXXX is old and outdated. It is over XXXX years old. The account needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX  - XX/XX/year> The following inquiries were not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 adve
rse 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 ) ( a ) 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

XXXX said they can help pay all of my student loans for free. And I thought that they can remove all of the Dept of Education loan off of my credit report. 

I don't understand why they left some of those on my credit report. 

Unless those loans don't belong to me... or maybe got the wrong birthdate or wrong Social Security Number. 

I told them to give me some validation and show me if this belong to me... 
but they didn't respond to me or chose not to mail me any validation or proof that these belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have mailed several disputes and no changes have been made, to experian, XXXX, and XXXX regarding these accounts XXXX XXXX XXXX and XXXX XXXX XXXX. 

On my Experian I have mailed several disputes since XX/XX/2014 and no changes made for XXXX XXXX XXXX and XXXX XXXX which is listed on my credit report in error. 

Everything else is listed correctly. Please remove the incorrect accounts from my reports.
Product: Debt collection

Contacted company as of XX/XX/2020 asked to receive original bill to verify this debt is mine. Company stated they do not have an original bill so how could this debt be mine? I would like to receive my original bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 i made a uniformed decision on XX/XX/2017 when I entered the mentioned consumer transaction. At the time I was not aware of the money or costs it will cost me personal, financially, physically, and mentally, to do business or extend my credit to this company. I didnt understand the meanings statedand it was not clear and conspicuous to me at the time. i have been attemping to urchase an assset but but because of this i am not able. I beleive because there is no evidence of a debt only these papers of some type of copied papers of statements the comapny continue to show and this allegd agreement. 
The agreement should be voided because I made a uniformed decision and didnt understand none of it. I could have made a better choice if I knew the details in full. 

Also i don't have any business dealings with company named XXXX, the attatched is not evidence of indebtedness. please delete from my report
Product: Debt collection

XX/XX/2021 I sent a letter to XXXX XXXX XXXX requested a debt validation letter according to the FCRA and the FDCPA, They sent me back a correspondence on XX/XX/2021 saying they would review my request and the respond said that I made a payment on the loan but they didn't provide any other evidence or promissory or signature or anything. I sent another request on XX/XX/2021 requesting documentation and contract obligating me to pay the company, again I didn't receive the information I requested. I received an email saying that I received a promissory note on XX/XX/2021, which I didn't They also sent me about much the loan is but no proof. On XXXX XX/XX/2021, I sent a letter again stating this is my last and final time requesting debt validation on I will have to pursue with the courts and now I am waiting on a response.
Product: Mortgage

I have been trying repeatedly to reach a resolution with Ocwen Mortgage, PHH Mortgage and XXXX to no avail all of the above mentioned companies have consistently LIED, about my legal status regarding my RIGHTS towards the property. I was repeatedly told that it was absolutely nothing that I could do as for as trying to keep the house. I asked could I Refinance the answer was NO. I asked could I file for bankruptcy protection I was given an astounding double NO. I was told that my name was on the Deed, but not on the mortgage. I decided to talk to a nonprofit group. I found out that the mortgage companies and their workers had repeatedly LIED. The mortgage company knew that I could not afford legal representation, I was self teaching myself. I was backed into a corner. I was only about {$4000.00} dollars in debt. I have been reported to the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging, systemic issues, such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. I am requesting corrective action to remove or amend disputed accounts as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Subject : Fraudulent Credit Reporting, Duplicate Account, and FCRA Violations Details of Complaint : I am filing this complaint against XXXX XXXX XXXX, Equifax, XXXX, XXXX, and XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and engaging in fraudulent credit reporting practices. 

Duplicate Account Reporting by XXXX XXXX XXXX  : I held a legitimate account with XXXX XXXX XXXX  that was paid in full, closed, and marked as " never late '', with a balance of {$610.00}, resolved through their insurance program. 
XXXX XXXX XXXX  fraudulently created and reported a duplicate account with an inflated balance of {$770.00}, which was then sold to XXXX XXXX for collections. 
Inconsistent and Misleading Reporting by CRAs : Equifax and XXXX initially reflected the accurate reporting of the original account but later removed the positive standing in late 2024. 
XXXX has failed to provide my credit report for more than XXXX months, violating 15 U.S.C. 1681g of the FCRA. 
Fraudulent Collection Activity by XXXX XXXX : XXXX XXXX reported a collection account based on the fraudulent duplicate account, despite the original account being resolved and closed. 
Failure to Investigate Disputes : I have disputed these inaccuracies through the CFPB and directly with the CRAs. However, they failed to investigate properly or resolve the issues, violating 15 U.S.C. 1681i and 1681e ( b ) of the FCRA.

Impact on My Consumer Rights : The creation and reporting of a duplicate account, coupled with the removal of accurate positive history, have significantly harmed my creditworthiness. This is a clear case of fraud, misrepresentation, and security fraud. 

Requested Actions : Immediate deletion of the duplicate account from all credit reports. 
Removal of the XXXX XXXX collection account tied to the fraudulent duplicate. 
Investigation into the practices of XXXX XXXX XXXX, Equifax, XXXX, XXXX, and XXXX XXXX  to ensure compliance with the FCRA. 
Additional Information : This matter has already been reported to the CFPB but remains unresolved. I seek the FTCs assistance to investigate these violations and hold the responsible parties accountable. 

I reported this to the FTC and will file a civil complaint if continue to report inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not being filed by a 3rd Party Credit Repair Company and this NOT a duplicate Complaint. 

I recently reviewed my credit report and noticed these accounts below have violated my rights In Accordance with the Fair Credit Reporting Act XXXX  and 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 consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

My personal information : Social security number, name. And address have been improperly used on my reports. I have been a victim of fraud and there are many inquiries on my credit reports that I did not request. 
The following inquiries are as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Formal Grievance Concerning Reappearance of Unauthorized Credit Inquiries and Prohibition of Account Access To Whom It May Concern, I am submitting this formal grievance to articulate profound discontent regarding egregious discrepancies in the handling of my Equifax account, demanding immediate elucidation and remediation. My credit report now exhibits an inexplicable proliferation of unsolicited inquiries. Over the course of the past year, I meticulously preserved documentary evidence, including screenshots, verifying that my credit report was devoid of such inquiries. Nevertheless, these inquiries have inexplicably resurfaced, prompting grave concerns about Equifax 's data integrity protocols and the stewardship of my personal credit profile.

Moreover, I am now unjustly impeded from accessing my Equifax accountan account for which I dutifully remit monthly feeseffectively obstructing my ability to scrutinize and safeguard my own financial standing. This exclusion is unconscionable, and I am demanding an unequivocal account of why my access is restricted to a service for which I am a paying subscriber. Such actions are not only obstructive but also infringe upon my fundamental rights as a consumer.

In addition, Equifaxs customer service representatives have consistently provided misleading, and at times, wholly contradictory information. These discrepancies have not only contributed to my frustration but have also undermined any semblance of trust in Equifaxs operational transparency and accountability.

In light of the aforementioned grievances, I am formally requesting the following : An exhaustive investigation into the underlying cause for the reappearance of these unauthorized inquiries on my report, accompanied by a comprehensive breakdown of Equifaxs data validation and quality control mechanisms.

Immediate restoration of unrestricted access to my account, with a forthright explanation as to why my access was summarily revoked from a service to which I subscribe and financially sustain.

A cogent, systematic response addressing how Equifax intends to rectify these malpractices and detailing corrective actions to prevent further miscommunication and dereliction of customer care by your representatives.

I anticipate a prompt and meticulous response. Should this issue remain unresolved or inadequately addressed, I will pursue escalation through the Consumer Financial Protection Bureau and consider further recourse to enforce my rights.

Thank you for your immediate attention to this significant matter. I expect a resolution posthaste. 

Confirmation number : XXXX. XX/XX/year> Confirmation number : XXXX XX/XX/year> Confirmation number : XXXX XXXX. XXXX. XXXX
Product: Debt collection

Hi There We had taken out a consolidation loan a few years back after our son died ( we co signed his XXXX debt and needed to pay it off ) Times became hard, etc. I called the company explained the situation and they stated they would charge it off due to our circumstances. Flash forward XXXX years later, a company called Accelerated Inventory ManagemenXXXX bought the debt for 'pennies ' and has now filed a lawsuit against us. I have spoken multiple times to the attorney 's office ( XXXX and XXXX ) and reached a settlement agreement for {$15000.00} if we paid it immediately. Which we did. They will not send anything in writing to me to confirm this and yet STILL filed a judgment against my husband, not on me as it appears they 'extended my court date '. No one will send me anything in writing even though I have a XXXX balance receipt ( attached ). How can they legally file a judgement against us even though we reached a settlement? I need help please, this is just not fair.
Product: Consumer Loan

Unfair, deceptive, and abusive sales practices. Formal complaint against Ally Financial and XXXX XXXX XXXX. - I purchased a XXXX XXXX XXXX on XX/XX/2016 at XXXX XXXX XXXX in XXXX, Florida 5 days after the death of my mother. The dealer and the bank took advantage of my vulnerable state of mind and sold/financed a vehicle that has an existing lien from the prior owner without providing me with this information. The dealer showed me a clean XXXX report demonstrating the vehicle had no reported accidents, but neither Ally Financial, nor the dealer advised me that the vehicle could not be legally sold to me while it has an outstanding lien from the prior owner. At the time of purchase, I paid {$4000.00} down and financed the remaining balance of {$23000.00} with Ally Financial ( account XXXX ). At the time of purchase the dealer was unable to provide a registration for the vehicle ; I was advised that I could use my expired tag that I was transferring to the vehicle until the DMV sent me the registration within 30 days. Subsequently, after making multiple complaints, the dealer provided me with a dealer tag to use on the vehicle that I had purchased, yet still failed to explain what the issue was with the registration for the vehicle. On XX/XX/2016, I received a call from the dealer informing me that I needed to contact XXXX XXXX because they have an insurance hold on the vehicle for an existing lien. During the conversation, I learned that the lien is for the prior owner of the vehicle. On XX/XX/2016, I contacted Ally Financial to make a complaint of this unfair, deceptive, and abusive act that involves the dealer as well as the bank. The dealer illegally sold me a vehicle with an existing lien, and Ally Financial proceeded to finance the vehicle and received payment for a vehicle in which they have no rights to. I also ran a XXXX report, and verified that the vehicle ( Title # XXXX, VIN # XXXX ) was registered as a personal vehicle with a loan or lien reported on XX/XX/2016. I have already invested {$5400.00}, and suffered a major impact to my credit score from the excessive hard inquiries, yet I am still not the rightful owne, nor would I be able to make any other major purchases at this time based on how this has impacted my credit score. I would ask that the CFPB intervene in this matter on my behalf. Thank you in advance for your assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing against transunion, they have failed to remove XXXX  XXXX and XXXX  XXXX XXXX XXXX  XXXX  from my credit report, I am now sending a copy of a police report I have filed back in XXXX  fir identity fraud, my information was leaked in the dark web and compromised, my information was used in efforts to open fraudulent accounts in my name, I will also send a ftc identity theft report out mining that my information has been used illegally, if this this is not resolved I will turn this matter over for legal action to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ga XXXX Im tired if my complaints ignored this is my last attempt to get this matter resolved and get this off my credit, transunion had also failed through the pandemic to take care of issues I have filed complaints for I want these accounts removed off my credit report immediately.
Product: Credit card or prepaid card

Fraudulent Application for credit card taken by Captial One on XX/XX/XXXX using my information ( SSN/Name/DOB ) - hard inquiry to all three credit bureaus - I did NOT apply for this card - the address on the inquiry on my XXXX report reflects an address and phone number that is not mine. Capital One refuses to provide any information or remove the inquiry until after 90 days. Only XXXX credit bureau allowed a dispute on their website. Capital One XXXX department told me on XX/XX/XXXX they did not see an application only to tell me on XX/XX/XXXX there was an application. After 2 hours on the phone with Capital One I was told no information could be provided to me. No protection provided by Capital One, no alert from Capital One.