23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

When the company calls they call from different numbers an I told them I dont know anything about this bill they tell me I owe an they keep sends me bills an call my phone I had change my number because they call so much some days I felt like I was there full time job call me at XXXX XXXX XXXX XXXX to almost XXXX XXXX XXXX then why Im on the phone I hear people in back ground one time I though I heard a kid crying they tell me that they can take my car an get money out my bank account an that my credit going stay mess up I never be able To own anything I need to pay this amount in full today if I cant pay full I need to put something down on this bill today an I check my credit report it says it open this year but I have open anything this year I got scared that I put freeze on my credit report
Product: Credit reporting or other personal consumer reports

I have been facing an ongoing issue with Early Warning regarding an account that I have disputed as not belonging to me. Despite my requests, Early Warning has failed to provide any verifiable proof or evidence related to this account. I sent multiple letters explicitly requesting specific information in accordance with the Fair Credit Reporting Act ( FCRA ) regulations. Early Warning responded with generic letters stating that my dispute did not offer new information without addressing the verifiable proof I requested. This situation has caused severe consequences, including the inability to open bank accounts, due to the inaccurate information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I t 's been over 5 months TRACKED MAIL and no information given. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. Why have you no information been given to me regarding these accounts? All I see the is the accounts being re-reported to drop my score even lower..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is inaccurately reporting a balance on my credit. Please see the attachment directly from XXXX indicating that I have no financial obligation with them. This account was mistakenly reported delinquent due to the erroneous processing of XXXX XXXX XXXX. Please delete this account from my credit and erase the balance. Thanks. 

XXXX # : XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

Received two collection accounts from Delivery Financial Services on all three credit reports. I never received written notification about these debts. Debts were added XX/XX/21 XXXX for {$100.00} and one for {$100.00}. Both debts were paid off directly to the Lender, not the collection agency. I called XX/XX/21 to ask them to remove these from my reports as I never received any information. They claimed they sent 3 letters, I never received anything in regards to the medical provider, XXXX  XXXX. No dates were provided as to when they sent the collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft COMENITY BANKXXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft COMENITY BANK/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft COMENITY BANK/XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft COMENITY BANK/XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX XXXX. 
Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable XXXX XXXX XXXX an original Consumer Contract with my Signature on it ) if you have on file the SXXXX account XXXX XXXX. They failed to positively verify this account accurately which has hurt my ability to obtain credit. Under the FCRA, unverified XXXX proof account must be removed immediately :
Product: Credit reporting or other personal consumer reports

I have discovered XXXX ( XXXX ) credit inquiries on my credit report that I have never applied for or submitted my personal information to use. I have contacted XXXX and they are showing all XXXX of the credit inquiries. I requested that any further inquiries into my credit score to " XXXX ''. 
I have contacted XXXX XXXX and XXXX as well. XXXX XXXX and XXXX are only showing XXXX " hard inquiries '' attempted to gain a line of credit from " XXXX XXXX ''. 
Below are the XXXX known credit inquiries : XXXX XX/XX/XXXXXXXX on XX/XX/year> XX/XX/XXXXXXXX on XX/XX/year> XX/XX/XXXXXXXX on XX/XX/year> Bank of America on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> Again I have never applied or authorized any line of credits or inquiries for any such matter. I do not know how or who may have my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX auto financing loan did dont appear in Experian, XXXX XXXX or XXXX credit report. XXXX XXXX states that they last reported the positive payment status of the account to the three major credit agencies in XXXX. I have 5 years worth of positive payment history that is not reflected in my credit report. Furthermore, although the XXXX XXXX finance loan initially appeared on my credit report, it disappeared about two years ago, even though I was continuing to make payments on the loan. I recently closed out the loan, but the positive payment history and the payoff are not on any of my credit reports.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Credit card or prepaid card

this card from navy federal had been fraudulantly obtained in my name and this reporting on all of my credit reports has been causing me undue problems with my finances i never applied for this card nor did I spend XXXX XXXX  of the said credit account. the card was obtained in late 2020 a a covid year a year in which I had no reason to apply for a credit card.this is a direct consumer violation of 15 USC 1681 a ( q ) ( 3 ) IDENTITY THEFT similiar to REG V 12 CFR 1022.3
Product: Vehicle loan or lease

Subject : Request for Removal of Late Payment Due to XXXX Pandemic Under 15 U.S.C. 1681s-2 ( f ) I am writing to formally request the removal of a late payment reported on my credit profile under the accommodations provided by the Fair Credit Reporting Act ( FCRA ) as amended by the CARES Act during the XXXX pandemic. 

My account details are as follows : Account Number : XXXX Creditor/Lender : Regional Acceptance Date of Late Payment : From XXXX XXXX XX/XX/year> Due to the unprecedented financial difficulties caused by the XXXX pandemic, I sought and received a payment accommodation from my lender/creditor. According to the amendments made to the FCRA by the CARES Act, particularly 15 U.S.C. 1681s-2 ( f ), creditors are required to report accounts as current if they were current before the accommodation was granted. 

Despite this provision, a late payment was reported on my credit file, which should not have been the case as my account was under a pandemic-related accommodation. I respectfully request that this erroneous late payment be removed from my credit report. 

According to the Cares Act amendment listed above, I was not late. Please show documentation showing proof of transaction showing I was ever late to support inaccurate reporting on my account. If you can not support please delete the alleged late payments from my credit report. 

The FCRA allows 30 days for this to be rectified.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested an investigation into this account. I'm in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. These inaccuracies are highly injurious to my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide me with the names and business addresses of each individual with which you verified above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting incorrect and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX lists two installment loan amounts on my credit report ( {$410.00} & {$770.00} ). 

Both loan amounts were given via pre-paid debit cards in XX/XX/XXXX. The amounts were subsequently disputed in XX/XX/XXXX. Both amounts were XXXX XXXX out after the disputes, which I confirmed via a phone representative at XXXX on XX/XX/XXXX. Therefore the balance of the loans was XXXX, and I no longer owed anything. This information was confirmed via email and phone with XXXX. 

However, both amounts show that in XX/XX/XXXX, there was a 30-day late payment which is incorrect. Secondly, the other months XXXX XXXX, and XX/XX/XXXX-XX/XX/XXXX, show that the payments were on time. Both of these reports are incorrect, because the loans were both XXXX XXXX out/cancelled due to the disputes, and there was a XXXX balance. But XXXX continued to report that there was a balance, AND on-time/late payments. In other words, monthly payments were still reported as being on time, despite the balance being XXXX. 

There is a third installment loan of {$40.00} on my credit report from XXXX. This amount was also given via a pre-paid debit card. However this amount was fully refunded by the merchant, which I have confirmed with the merchant. XXXX continued to report this amount as current and past due on my account, until charging it off in XX/XX/XXXX. This account was incorrectly charged off, and there was a XXXX balance. 

These incorrect marks on my credit report violate several FCRA statues which are : not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. It also violates FCRA 623 ( a ) ( 5 ) ( A ) which states the date of delinquency must be correctly reported to the CRA within 90 days. There are 0 sections that prohibit deletion.
Product: Consumer Loan

On XXXX XXXX, 2015 I faxed to BMW Financial services Collections department, the Death Certificate of XXXX XXXX ; Probate Court Order naming XXXX XXXX as Heir of the Estate of XXXX XXXX ; and a Power of Attorney for XXXX XXXX, appointing, XXXX XXXX as the Executor of the Estate of XXXX XXXX XXXX. On XXXX XXXX, 2015 I called and spoke with an associate in the Collections department who confirmed the receipt of the above-referenced documents. BMW Financial Service by and through its collector, disregarded the court order by withholding details of the account and refused to provide the Pay-off amount or the status that this account was past due and up for repossession. However, I was advised that I could ONLY make a payment and then BMW Financial Service 's legal department would contact me with payoff amount. I made a payment for {$6000.00} to buy time until the legal department contact me as advised by BMW Financial. However, no one from BMW ever contacted me and two weeks later, on XXXX XXXX, 2015, the car was repossessed. I called BMW Financial Services to inquire why was the car repossessed. I was told that my bank draft was returned by my bank as " Account not found ''. My Credit Union suggests that no draft ever was submitted as it would still be identifiable as none from BMW shows in their records. BMW Financial Service states that, I was not called because of privacy laws with the Decendant ( XXXX XXXX ) and no one was appointed as Executor or Attorney. I spoke with XXXX of BMW Financial Service Repossession Department, who explained to me that the legal documents submitted were insufficient because the BMW Financial Service assumed the Power of Attorney was for XXXX XXXX. Which was and has never been the case. ONLY after I asked XXXX to read the documents closely, BMW Financial Services acknowledge the XXXX County, Texas Probate Court Order listing XXXX XXXX as the Executor of The Estate of XXXX XXXX XXXX. Not until AFTER BMW Financial Services repossessed the car did they provide Payoff amounts or cooperated with and acknowledge the Executor to settle this debt ( in full ) and take possession of this heirs property. Nonetheless, the Estate has been damaged in additional costs of approximately {$1000.00} in additional repossession fees and costs to pay this loan off and it was all because of BMW Financial Services negligence by NOT contacting the Executor with regard to payment being returned, by not providing status of the loan as required by the Court Order, by not providing the Estate the benefit of paying this loan in full on XXXX XXXX, 2015
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX/XXXX  XXXX {$1100.00} XXXX XXXX {$220.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$95.00} XXXX  XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$530.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a pre approval from a company, I filled out minimal information to see if I wanted to get the card, when I saw high APR and other fees, I decided I didnt want to go through with the card, I then hit exit and did not submit, they checked my credit even without my approval. I called the company, they were very ugly to me stating they did not check my credit and that I did not finish the process, I explained to them that I did not want the card and I did not submit for my credit to be checked, they were once again rude and told me they never checked my credit. I called XXXX who explained to me that there was a hard inquiry from this company, and said that I should contact your company for removal. This company is charging and price bending fees to very high costs before you get the card, and I explained that I did not want the card and I did not submit for it
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX. I have never been late with any of my mortgage payments. I am in the process of closing on my home next week. I have been getting the run around from XXXX for over 30 days. They have agreed they made a mistake with the information they shared with the credit bureaus of me being 120 days past due on XX/XX/20. My wife and I were approved for a new home and now we can't get credit approval with this latest info.
Product: Credit card or prepaid card

I have a balance of {$2500.00} on my GM capital one card. The card making monthly payments of a {$100.00} dollars I look at my statement and the balance stays the same so i looked at the interest and they are charging 24.40 % so with paying double the minimum payment i get no were the interest payment alone is {$49.00} so i called them and explained that with my credit score at XXXX i should have a better interest rate they said no interest reduction for them the lady said they cant do anything for me witch if the interest was 15 % it would be too high they get it for about 1 % I XXXX XXXX at {$50000.00} for 2.5 % so that is price gouging for sure I hope you can help me Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with experian. this is hindering my file. all information on all 3 credit reports are not 100 % accurate. please update the information submitted correctly asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first forwarded a letter to all three credit bureaus from XXXX XXXX at the end of XXXX instructing the three credit bureaus to correct and change the comments on the account from " Paid for less than full amount '' to " Paid in Full '' and remove all negative remarks. XXXX and XXXX  did this immediately, but Experian didn't. Recently I discovered the account had the date of " first reported delinquent '' as XX/XX/XXXX, when it was actually first reported in XXXX when I stopped making payments and disputed the charge with XXXX XXXX. The account was to be removed in XX/XX/XXXX. Again, XXXX  and XXXX  deleted the account but Experian didn't. Experian 's account details had the amount paid as {$1400.00} ( full amount ) which was wrong, the date of reporting as XX/XX/XXXX which was wrong, and the account to be removed in XX/XX/XXXX which was another 7 years. I called Experian XX/XX/XXXX to dispute it. I also called XXXX XXXX who immediately sent a letter to Experian and myself instructing them to delete the account as they had last XXXX ( XXXX ). The woman I spoke to advised me to make this complaint. I uploaded the letter to Experian that day. When I checked my Experian report the next day the details under the Credit First account were removed but the account was still listed as a Charge Off AND the account no longer said it was in dispute. Also hard pulls weren't removed that have been listed for over two years. I called Experian and was told that I had to wait 30 days and if I told them to drop the dispute ( which is not indicated on the on-line account anymore ) they would not fix it. To date the information has remained incorrect.