23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A new ( er ) collection popped up on my report for {$1600.00} NCB/XXXX XXXX XXXX XXXX XXXX XXXX 

Reporting this debt with bad data in order to extend life of debt. 

XXXX customer service was not helpful, but account specialist in XXXX collections said : Account sold to NCB : {$1600.00} XX/XX/2017 She did not have any further data : specifically the last payment made/payment history/DOFD ( 30 days, etc ). 
Ive challenged this with the 3 bureaus but they have not posted the DOFD, and they state NCB is asserting that last payment made was XX/XX/2017 but that is the date it was sold to another company.
Product: Credit card or prepaid card

Complaint filed on behalf of my daughter a credit card holder with Discover Card.Discover issued my XXXX XXXX XXXX a card with a {$20000.00} limit -with a 20 % interest rate on reviving balance. My daughter 's income has always been around {$50.00} to {$55000.00} per year. She ran up more than {$17000.00} in charges and ignorer not to be delinquent used savings just so she would never be late with a payment. She depleted her savings. Discover recommended her to a credit counciling company -- XXXX who got Discover to reduce the interest rate to 9.9 % with a {$450.00} per month payment to XXXX plus XXXX charged her {$100.00} per month fee. My daughter has " issues '' both XXXX  etc which caused her to accumulate a credit debt of {$38000.00}. Discover is complicit. They act like a " shylock '' - the only difference is they XXXX XXXX XXXX XXXX XXXX for non payment they refer you to a consumer credit agency who gets the rate lowered for a fee. My daughter was considering bankruptcy and came to me with her problem because she needed {$4000.00} for a lawyer. I squelched the bankruptcy and got involved to pay off he loans.
Product: Credit reporting or other personal consumer reports

I have placed my concerns over and over again to remove late payment that was not an error on my behalf. However, it keeps coming back as a late payment on my Credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding XXXX XXXX was submitted on XX/XX/2024, and I have not yet received a response.
Product: Credit reporting or other personal consumer reports

I am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. XXXX failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX | ACCOUNT : XXXX | {$0.00} XXXX  | ACCOUNT : XXXX | {$1800.00} XXXX | ACCOUNT : XXXX | {$0.00} XXXX XXXX XXXX ACCOUNT : XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX | ACCOUNT : XXXX | {$0.00} XXXX XXXX XXXXXXXX | ACCOUNT : XXXX | {$5900.00} XXXX | ACCOUNT : XXXX | {$18000.00} XXXX XXXX | ACCOUNT : XXXX | {$17000.00} XXXX XXXX XXXX | ACCOUNT : XXXX | {$1000.00} XXXX XXXX XXXX | ACCOUNT : XXXX | {$1800.00} XXXX XXXX XXXX | ACCOUNT : XXXX  | {$730.00}
Product: Credit card or prepaid card

I applied and got approved for a credit card on XX/XX/XXXX. Now it's been three weeks. I still haven't received my credit card. I contacted customer service many times. Their response is always there's been a delay in card production process. I need to get my card as soon as possible, otherwise I won't be able to complete the spending requirement on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is under XXXX XXXX who is the collection agency but the original creditor is XXXX XXXX. I disputed this debt twice with Experian only for them to just update that it was verified but not providing me any other information. The amount XXXX XXXX ( see attached statement the rep showed me ) is a different amount that was is being reported. I don't even know of what the charges are for. I reached out directly on XX/XX/21 to XXXX XXXX to try to obtain a copy of the original agreement and itemized bill so I could see what what the charges are, if my insurance covered and what late fees they charged and what I may be responsible for. XXXX XXXX was recently involved in a class action settlement ( will attach email sent to me XXXX that they overcharged patients late fees. I wanted to take a look at the statement because I know there will need to be an adjustment to what I was charged. While on the phone with the representative at XXXX XXXX, he was very rude and said he could not provide me any information and I would need to talk to XXXX XXXX and before I could say anything he immediately ended the call. I was transferred to XXXX XXXX where I spoke with a representative, XXXX, who said he would try to locate the itemized bill to send to me but if XXXX XXXX wouldn't provide it how would he? My biggest issue is I was never notified of this debt properly. The amount being report is different from what XXXX XXXX is saying I owe. He gave me information to log in to see what they are reporting. Again, the original creditor, XXXX XXXX, would not even provide me with the copies of the bill with a breakdown of services and contract to properly validate this debt and I was a direct patient of theirs. I was never provided notice of this collection account which is directly violation of my FCRA and HIPAA rights. Experian is reporting this account as accurate and validated when the original creditor wont even provide me with any copies of anything. I am planning to sue them and furthermore this is just very frustrating and disappointing when I have been able to successfully have this removed from the other two credit bureaus for this same reason of not being able to properly verify that this is my debt the correct amounts, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt account XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2022 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$410.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXXXXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for reporting inaccurate and/or incomplete information in violation of the Fair Credit Reporting Act ( FCRA ). These discrepancies concern a bankruptcy record that has been reported inconsistently and inaccurately, causing harm to my credit profile. 

Identified Discrepancies 1. Reference Number : Experian lists the bankruptcy reference number as XXXX, while another credit bureau reports it as XXXX without the additional identifier. 

2. Court Identification : Experian records the court as XXXX XXXX XXXX XXXX XXXXXXXX, whereas another bureau lists it as U.S. Bankruptcy Court. 

FCRA Violations 1. Section 607 ( b ) : Requirement for Maximum Possible Accuracy Experian has failed to ensure the accuracy and consistency of the information reported, violating this section of the FCRA. 

2. Section 609 ( a ) ( 1 ) : Consumers Right to Accurate and Complete Information The discrepancies in the reference number and court identification prevent me from accessing a fully accurate and complete credit report, as guaranteed under this section. 

3. Section 623 ( a ) ( 1 ) : Obligation of Data Providers The data providers responsible for this information have not ensured its accuracy and completeness before submitting it to Experian, further compounding the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Address : XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX XXXX initiated an eviction process against me for 30 days or less late in my rent. XXXX XXXX District Court, XXXX XXXX County, VA granted a judgment for {$910.00} ( the deposit I paid them was not deducted ). Within 30 or  60 days, I received a letter from a collection agency, National Credit System , Inc. Demanding {$3200.00}. I disputed the amount. I tried to find a lawyer unsuccessfully. On XX/XX/XXXX, I settled the debt for {$1500.00}, perhaps more. They send a letter indicating that I had no further obligations. I'm in the process of applying for a home improvement loan, which is denied because the judgment still shows on my credit. I called National Credit System. They indicated is their prerogative not to remove the judgment because I still have a balance. For the judgment to be removed, I have to pay in full. I'm requesting an investigation. One, can a judgment be increased? ; Two, can they  refused to remove a judgment after indicating I have no further obligation?
Product: Debt collection

On XXXX XX/XX/2021, I was made aware that I owed XXXX XXXX  {$1000.00}. I contacted XXXX XXXX  corporate office to settle my debt. I spoke with a representative XXXX XXXX and he stated that if I paid {$800.00} it would settle my debt with XXXX XXXX. The {$800.00} was paid and a letter was emailed with the account number to me stating that the bill was paid.
Product: Credit reporting or other personal consumer reports

This is a notice and Good Faith attempt to correct the error with XXXX XXXX XXXX XXXX Experian is not in compliance with the FCRA guidelines providing maximum accuracy. 

Attached is a copy of the removal of the account from XXXX. 

Attached is also a copy of the account continuing to be reported to Experian.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Re : Unauthorized Credit Inquiries on My Credit Report Dear Sir/Mada I am writing to bring to your attention fraudulent credit inquiries that I have identified on my most recent credit report. These inquiries were made by companies that I do not recognize and for which I did not authorize any credit check or pull. 

The unauthorized inquiries are as follows : List of Inquiries and Dates : ( Copy and paste from your downloaded FTC report ) I respectfully request that you validate the information with the companies listed above and provide me with copies of any documentation associated with these inquiries that bear my signature, authorizing them. 

In the absence of such documentation, I formally demand that these fraudulent inquiries be immediately removed from the credit file associated with my Social Security Number.

Please be advised that under the Fair Credit Reporting Act ( FCRA ) Section 611, you have 30 days to complete this investigation. Should you fail to comply, I am prepared to settle the matter for civil liability damages I have incurred due to your violation, in the amount of {$1000.00}, pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 

Should you refuse to settle by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receiving this notice, I will pursue actual damages which may exceed {$1000.00}. 

Please send payment via Certified Funds to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I had a vehicle which I voluntarily turned in for a repossion in XXXX on XXXX. Since, that time I have made a number of attempts to resolve the outstanding balance. Specifically, on XXXX XXXX I left a voice mail message which was never returned. I again called on XXXX XXXX, XXXX and spoke to a representative in the Wells Fargo XXXX XXXX Account department as I was prepared to begin to pay off or make a final settlement arrangement for the outstanding balance of {$5000.00} and to request that balance to detract the {$2300.00} which was what my vehicle was sold for which would have left an outstanding balance of {$2700.00} and I was prepared to either pay this in full or make appropriate settlement arrangement. I was informed that they would accept NO money towards this outstanding debt and was told that Wells Fargo does not sell any of their accounts to any third party collection agencies and was told that they do not. I did ask for any other options which may be available and was told no that my only option is to allow it to remain on my credit report for the remaining XXXX years.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS OPENED BY FRAUD WITHOUT MY KNOWLEDGE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 
LOBEL FINANCIAL SERVICES ACCOUN WITH A BALANCE OF {$27000.00} IS INACCURATE AND FRAUD USE MY INFORMATION TO GET THIS CAR. 

I REQUEST THE DOCUMENTS THAT WERE USED TO OPTAIN THIS GOODS OR DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Im accordance with the fair credit reporting act XXXX account XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX  Last reported XX/XX/XXXX, XXXX XXXX XXXX Last reported XX/XX/XXXXXXXX XXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX, XXXXXXXX XXXX Reported : XXXX XXXX, XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Payday loan, title loan, or personal loan

The loan was for XXXX and I was paying on time and I had job loss of hours and I let them know I could pay at least XXXX dollars every week they wouldn't accept it and put it on my credit report at first it was XXXX and since the loan was made in XXXX has now went up to almost a XXXX XXXX dollars in its placed on my credit report as a charge off and collection
Product: Debt collection

This letter is sent in response to a letter I received on XX/XX/year>. I am requesting that you provide verification of this debt. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name : XXXX, account number : XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I had got a auto loan with my bank, my bank has a privacy policy that says they will not share my personal information to nonaffiliated third parties, I finding out on my credit report that theyve been reporting it for over XXXX  months which theyre in violation of their own policy that they signed with me and the in violation of the privacy act of 1974 and more and they also reported my banking transactions which is against the law and the account was closed when its a post to be opened ended
Product: Credit reporting or other personal consumer reports

XXXX Letter mailed and no response provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into my credit report on XX/XX/2023 and saw the following account : Last reported XX/XX/2023, {$3500.00} - Open balance, XXXX XXXX XXXXXXXX XXXX XXXX  - Original creditor, XX/XX/2023 ( XXXX mos ) - Opened, Account status - Open, Type - No Account Type Given, Responsibility - Individual, Remarks - Placed for collection, Original creditor name - XXXX XXXX XXXX XXXX XXXX, I have no knowledge of this account and believe that this may have been identity theft. This account appears to have been opened on XX/XX/2023. I have no knowledge of this account and did not authorize anyone to open an account in my name. Nor did I see or have I seen the open amount. I have never done business with the original creditor. I believe this account to be fraudulent, and would like an explanation. 

I would also like to see supporting document from the company showing where this information came from. This information includes but is not limited to : To whom do you think I owe this debt and what amount do you claim I owe? I will need the name, address and account number for the creditor, in addition to the amount owed. 

If this debt started with a different creditor, I will need the name, address and account number for the original creditor, the amount owed and the date when the debt was transferred. 

Please provide a valid basis for the debt, such as the original contract between me and original creditor. Tell me the date the debt became delinquent and the date the last payment was made. 

Provide me a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law. 

If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item. 

Does your agency have a debt collection license in ( name of your state )? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. If you do not have a license, please explain why. 

I requested this information so that I can make an informed decision on whether I am responsible for the debt. 

Please treat this debt as being in dispute.