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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX with a account number 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I have sent debt validation letters to the collection agency and credit bureaus whos reporting this debt on my file on XX/XX/XXXX. I have heard nothing back from nobody why? Because I didnt open any XXXX  account with XXXX  in XXXX as stated on my report. So their validation from XXXX that they reported would be inaccurate. The debt states {$2100.00} opened XX/XX/XXXX I demand this account be blocked and deleted from my reports for falsifying dates and violating my rights to privacy.
Product: Debt collection

XXXX 2017 approx 3000 dollars I did not receive anything in the mail from this debt collector, even though they told me I did. I believe they lied about this as they had my address. I asked if they would send me another letter with more information to verify my account and they said no. Then they proceeded to threaten to put my bill into collections if the balance hasnt been paid in 10 months and refused to work with me on a reasonable payment plan. I feel that they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, I have been having a major problem regarding Experian Credit Report Agency not completed the investigation accurate and I have requesting in writing the items be deleted based upon the credit bureau 's lack of compliance with the Method of Verification Process. I have disputed this account over 20 or 25 times since XXXX. 

i have sent them method of verification on XX/XX/XXXX and they did not even investigate at all. 

the creditor keeps changing the date of remove in the status detail area..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$1100.00} & {$1000.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Student loan

I have been dealing with wage garnishment for the last 2 months. In attempt to stop this and make payments on default loans. I have been denied to consolidate and also to rehabilataite. I have exhausted all options and afraid I will have to file bankruptcy. I have no had a steady job since leaving school in XXXX. I finally have one along with XXXX children, I can not sustain a healthy life because all my disposalable income is taken without having a fair opportunity to set up plans to pay it back. I am counting on my tax return to finally pay off some past due bills, now I 'm afraid it will go toward a wage garnishment. I need help so I ca n't start sleeping again. I am trying to set up Payment arrangements but my options that they are giving me is only wage garnishment. There must some way to get me back on track without taking all my disposalable income from me every check ... again i eant to pay it, and it almost makes sense to quit my job and try to find work u see the table, which I truly dint want to.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$2700.00}, {$620.00}, {$150.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

5. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX bankruptcy onXX/XX/XXXX Included in the bankruptcy on, Official Form 106 E/F, were three student loan amounts held and/or managed by Dept EdXXXX  : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Opened XXXX - Last Active XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Opened XXXX - Last ActiveXX/XX/XXXX {$330.00}XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OpenedXX/XX/XXXX Last Active XXXX Total of XXXX loans {$11000.00} The above were included on the Matrix of Creditors in aformentioned Bankruptcy filing submitted to the court on XX/XX/XXXX 

XXXX According to Official Form 309A ( For Individuals or Joint Debtors ) Notice of Chapter XXXX Bankruptcy Case No Proof of Claim Deadline : " Creditors who assert that the debtors are not entitled to a discharge of any debts or who want to have a particular debt excepted from discharge may be required to file a complaint in the bankruptcy clerk 's office within the deadlines '' Dates : Meeting of creditors -XX/XX/XXXX at XXXX XXXX - No representative from XXXXDept of Ed. attended the meeting Presumption of Abuse - Deadline to object to discharge or to challenge whether debts are dischargeable : Filing deadline XX/XX/XXXXDeadline to object to exemptions : Filing deadline : 30 days after the conclusion of the meeting of creditors Deadline to object to intended abandonment : Filing deadline : 75 days after the conclusion of the meeting of creditors *** According to the " Certificate of Notice '' Form ID : 309A - Notice by first class mail was sent to XXXX by the Bankruptcy Noticing Center on XX/XX/XXXX. 

A discharge was granted by a United States Bankruptcy XXXX XXXX XXXX/DeptEd  reported to all three reporting agencies that the balance on the three Nelnet/DeptEd  loans was {$0.00}, they were discharged in Chapter XXXX Bankruptcy, and " Closed - Derogatory ''. 

The reports reflected this status for multiple months. During the same months, no statements for any loan are available. I inquired about the statements when I discovered the three student loans had reappeared with a balance on my credit report. 



+++ I have had discussions with XXXX, The Dept. of Ed, and the three credit bureaus. XXXX has given me the runaround and says to check my statements. There were, however, no statements for the months that the loans showed up as Closed {$0.00}. I requested from XXXX that they provide all statements for the year of XXXX. 

The request was denied through an email that literally said " ... your request has been denied ... 

I was unable to get any explanation as to why they would n't send the statements. 
The same as above is true for XXXX as well. 

One of the other credit reporting agencies, Experian I believe, did follow up on their investigation and stated the erroneous information had been removed and my report changed to reflect Closed {$0.00} for the most expensive loan. 

I 've tried several times to communicate with all involved parties and have gotten nowhere I have additional information if needed Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed below are fraudulent and I did not authorize them also attached is identity theft report. 

Equifax Fraudulent Inquiry XXXX XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit report. As a victim of identity theft resulting from a data breach, I did not authorize the accounts or inquiries listed below. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to the immediate removal of these items from my credit file.

Fraudulent Accounts to Be Blocked and Deleted 1. XXXX XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 2. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4100.00} Unauthorized Inquiry to Be Blocked and Deleted 1. XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX 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
Product: Credit reporting

Experian are not fully investigating accounts. There were doctor bill that was put on my credit in which I had no knowledge of. According to the FACTA section 623 ( a ) ( 7 ) it requires all creditors to collectors to notify you by mail. This did not happen. I ask Experian to provide me with the person 's name they verified the dispute with, the address, the telephone number and the documentation used to verify the dispute. They told me to contact the creditor which I did but no response. I wanted to find out if I can not get an response who are they verifying this information is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Experian has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. 

Experian Information XXXX has been reporting an account XXXX XXXX XXXX on my credit report that was opened due to fraud. I disputed the account in XXXX of XXXX, and they stated it was removed, and then reinserted, and have not sent any documentation.
Product: Debt collection

I recieved a collection notice dated XX/XX/2018 from Finex Group LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX This is the address and phone # on the notice. Regarding a {$1200.00} debt owed to a towing company. XXXX XXXX XXXX, inc. 
I have had no dealings with said company and no vehicles towed. Tried to call the number given, it was invalid, recording said I need to " unblock my phone ''. I have no block so I XXXX searched. Says company permanently closed. Had a different # XXXX XXXX XXXX. Same recording. May be a scam
Product: Credit card

On XX/XX/2024 I went to the XXXX XXXX XXXX XXXX XXXX 
Prior to performing the service, I confirmed the charges, i.e according to the Insurance company, I am responsible for 10 % of the charges and they agreed. But after the service, they charged {$1000.00} Instead of {$100.00}. When I questioned, the lady at the front desk told me that she doesn't know how to refund it. The person who does it was out for lunch. 
Immediately, I called Discover card about the transaction and they asked me to complaint after receiving the statement. I did complaint and they gave me credit. but after a few months, the charged it to my account. 
I explained and provided all the proof to discover card, but they didn't correct it and still charging me every month with interest. 

I request your help with this matter to correct as early as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX sent a dispute to experian they responded back with account verified but failed to send verification, in XXXX submitted a XXXX letter which came back verified followed up with a follow suit letter as to how they could keep verifying a account that the other 2 bureaus deleted for lack of verification. The last response from them was in XX/XX/XXXX stating account is still verified and outcome remains. The have failed to send me any documentation as to how the account has been verified.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and noticed some credit inquiries that do not belong to me
Product: Credit reporting or other personal consumer reports

I've found incorrect inquiries on my credit report under 15 USC 16c-2. These were not authorized by me, and they're impacting my credit. Please delete all unauthorized inquiries. Thank you!
Product: Credit card

I can not get access to my account and can not not modify payments They keep over charging me and having me pay late fees.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized Bankruptcy Reporting and Demand for Removal I am writing to express my concern and to notify you of a significant error in my credit report that you maintain. It has come to my attention that my credit report includes bankruptcy information, which has not only been reported without my explicit authorization but also in violation of established privacy norms as set forth by the bankruptcy court, which explicitly states that it does not provide consumer information to any third parties. 
This unauthorized reporting has had a detrimental impact on my ability to qualify for credit lines, directly affecting my financial standing and infringing upon my legal rights. Under the stipulations outlined in 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. Additionally, the Privacy Act of 1974 and related regulations protect individuals from the unauthorized dissemination of personal financial information. In addition, Given that this reporting was done without my consent and in violation of federal regulations, I am requesting the immediate removal of this bankruptcy information from my credit profile. Moreover, I am asking for a fine of {$1000.00} per violation, as compensation for the unauthorized use and dissemination of my personal data.

Please process this removal and cease all further credit activity related to my profile as per my right to opt out. I expect written confirmation within 30 days confirming that these changes have been made. 
Thank you for your prompt attention to this serious matter. I trust that you will handle this request with the urgency it warrants and rectify the situation without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to the credit agencies as well as the collections agencies to have them provide proof under federal law that the debts belong to me. They did not provide any proof whatsoever other then letters saying that the debt was verified as belonging to me. No physical proof was provided as these debts do not belong to me. I wrote letters to XXXX in regards to XXXX XXXX debt {$490.00}, and XXXX XXXX for {$2300.00}. I wrote letters to Equifax for the debt of XXXX XXXX for {$51.00}. I also wrote letters to XXXX for the debts of XXXXXXXX XXXX XXXX for {$2900.00}, XXXX XXXX for {$2300.00}, and XXXX XXXX for {$490.00}. I wrote multiple rounds of letters with no proof provided. I would like these removed from my records as soon as possible.
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 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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
Product: Debt collection

In  XXXX   XXXX , I was rear-ended. Following the accident, I seeked medical attention from a  XXXX  in  XXXX   XXXX , CA. The name of the  XXXX  facility was  XXXX   XXXX   XXXX . I only received an   XXXX   XXXX   and  XXXX  in  XXXX  appointment. I had filled out the necessary paperwork as this was on a medical lien, due to pending litigation. The lawsuit is still pending, therefore, should still be on a medical lien.     The collection agency FIDELITY CREDITOR  SERVICE, INC. list ed on my credit report as an open collection has not contacted me nor made any efforts to validate this debt. I have attempted to contact this creditor to resolve this matter, yet the information for the creditor is not valid on my credit report. The creditor also does not have an active business license in the state of California, where they are listed to be conducting business. The amount of the collection as of  XXXX   XXXX ,  2017  is {$200.00} I have been unable to resolve this matter on my own and even with efforts of small claims suit, have been unable to ser  ve this creditor due to inaccurate information.
I do believe that a rule of the FCRA requires that creditors have up to date contact information so that debtors may be   able to resolve their debt.     I appreciate your assistance in this matter,  XXXX   XXXX
Product: Credit card or prepaid card

Received a MyVanilla card that I did not purchase. Had a very difficult time getting info from company about why/ how this card was sent to me. Requested that they close the account and block my info from ever opening another MyVanilla account ever again. This is obviously a fraudulent scam, but I still don't know how or why this account was opened in the first place.

I was told that someone purchased this card at a store, but I was sent this card to my home. The customer service people I spoke with at MyVanilla were very sketchy and were short on details, but had no problems asking for my personal info!
Product: Debt collection

I have been disputing this account for a while it does not belong to me. It has affected my ability to properly care for myself and my family. Please remove this account. I have attached my identity theft report below.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive been trying to get a free transunion credit report and score online for months and im unsuccessful.The site keeps saying sorry, unable at this time.I even tried XXXX XXXX XXXX and unsuccessful.When i try to get a free report from transunion, it asks for credit card.I shouldnt have to input a credit card for a free report.I dont know whats wrong with transunions site.They make it difficult.XXXX and XXXX is real easy.I want a transunion report
Product: Payday loan, title loan, or personal loan

Flex needs to update my XXXX credit report information because Ive made payments all this year but my XXXX credit report only shows XXXX payment and thats XX/XX/2023 payment
Product: Credit card or prepaid card

Hello! 

5 years ago I asked for a {$3000.00} credit limit increase to my personal credit card ( which had I believe, a {$500.00} or perhaps {$1000.00} limit at the time. ) I received a new ( separate ) credit card with a limit of {$3000.00} shortly thereafter. 
( Note : This was in the era of duplicate account creation which XXXX XXXX was ultimately held to account for - still, I didn't think much of it at the time. ) Since then, despite a near-XXXX balance on the card, I've received two credit facility reductions without notice or consent ... the first being over two years ago ( From {$3000.00} to {$2200.00} ) and another today, with a reduction from {$2200.00} down to {$500.00}. 

There was no consent sought, nor notice delivered, nor reason to reduce this credit facility by TWO THIRDS overnight. ( my credit score has steadily improved over the last two years - though I've barely touched this card. ) ... All of this for an account that should never have been opened in the first place. 

I believe this falls in violation of a number of regulatory statues. ( Please correct me if I am mistaken. ) ... Either way - myself and my family are negatively affected in the extreme, and US Bank 's lack of notice has resulted in a scenario where if we had an emergency - we'd be unable to manage the situation. 

I have multiple accounts with them ... where was the letter? Where was the push notification? Where was the phone call? This bank has more contact information ( and other PII ) about me than my own mother ... How are they incapable of providing sufficient notice to their clients about actions that have major impacts? 

What check and or balance is in place to ensure a degree of accountability?
Product: Debt collection

car stopped working had a bad motor so I've told them to come pick up car cause i no longer wants it and to get it out my name ive sent them a written 15u.s 1692c stating If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt