23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Apparently someone opened two student loans with my information in XX/XX/2015, I found be out about this information because within the last year or so they stopped paying the loan and then negative marks started appearing on my credit report. 

After attempting to have these items removed from my reports by contacting the company I was sent the supposed contract. This contract doesnt have my signature, but my typed name and also the references listed I do not know and the addresses are bogus.
Product: Debt collection

ADVANCED COLLECTION BUREAU, INCXXXX XXXX, FL XXXX XXXXXXXXTEL : XXXXXXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ADVANCED COLLECTION ACC # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : ADVANCED COLLECTION ACC # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX BAY, FL XXXX
Product: Debt collection

I would like to file a complaint of conduct for the debt collection agency, Ability Recovery Services, for their inability to follow legal requirements of providing a Debt Validation Note and/or effective communication through phone call or in person about the debt under the current FDCPA policies. 

According to current FDCPA regulations, debt collection agencies are required to provide possible consumers in it's first line of communication with the following information : 1. The amount of debt.

2. The name of the current Creditor to whom the debt is currently owed to.

3. A statement unless the consumer, within 30 days after receipt of notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

4. A statement that if the customer notifies the debt collector in writing within 30-day period that the debt, or any thereof is disputed, the debt collector will obtain verification of the debt or a copy of such judgment against the consumer and a copy of such verification or judgement be mailed to the consumer of the debt collector, and 5. A statement, upon the consumers written request within 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from current collector.

If the initial communication doesn't have this information the debt collector has 5 days to provide this information.

Under current provisions, this debt collector, Ability Recovery Services has failed to even provide any initial communication. I have no record of any phone calls, voicemails, in person notification, physical or digital mail for this agency about the debt that showcased on my Credit Report from the XXXX credit report agency. 

My first acknowledgement of this debt was through my credit report and my XXXX XXXX account under Derogatory marks. 

The total amount reported on my Credit Report for XXXX is {$1400.00}. The debt was reported on XX/XX/2022. 

According to current policies, they would need to have spoken to me in first initial contact, and then send a Debt Notice, and allow 14 business days after the notice is sent before reporting to any credit agency. I have no record of this.
Product: Credit reporting or other personal consumer reports

I'm requesting a complete & full certification process of the public record listed
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, Upgrade.com tried to take my monthly payment out of my account. It failed. On the XXXX, they electronically tried again. It posted. On the XXXX, they electronically did so again. It posted as well. So I missed one payment, and they took two as soon as I got paid. 

I chatted with them, they said that I made one payment which I did not. I forgot cause I'm scatterbrained, hence auto pay. They will refund it up to 14 days. I do not have the money needed now to pay my rent. 

You get a personal loan for help, you miss a payment and they smack you on EACH CHEEK for doing so. Then tell you that you have to wait half a month for your money back and never address truly what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I, XXXX XXXX, have written this dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : PARTY OWED : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2200.00} PARTY OWED : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$16000.00} I am disputing this claim ( s ) due to : I HAVE NO KNOWLEDGE OF THESE ACCOUNTS. IT IS FRADULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off of my credit report. Enclosed may be additional evidence to support my claims. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I applied for a XXXX XXXX XXXX XXXX card from XXXX. On XX/XX/2023 I was approved for this card. The offer shows XXXX points with XXXX once a certain dollar amount was spent. Within 45 days I spent the required {$3000.00} with the card and received only XXXX bonus points. I contacted them immediately and they informed me that I did not qualify for the offer I applied for. No notice was given to me until XXXX in the form of a notice through the credit card website. The problem I have is had they notified me that the card was not approved under the terms of the offer I would not have followed through with the charges I applied to this card. I merely would have canceled the card but now that I have that on my credit report I expect them to step up and follow through with the offer that I applied for. I was misled by this offer and I dont believe they ever had any intention of giving me what I applied for.
Product: Debt collection

XXXX XXXX with Feldman and Stern at XXXX has called multi times threating myself and employees at my that he is going to sue me if I did not contact him. I talked to his on XX/XX/XXXX that the following week I would return his call and make arrangement on the debt. He refused to accept this and started calling my work every hour and to calling my husband works as well threating him and other employees there as well. He has cused out a employee at my work thinking it was me.XXXX XXXX has been told not to call our works and to call our home phone. He will not accept this and now he is calling the works phones giving a different name and threating to come in person to our works to collect the money.
Product: Mortgage

My loan was transferred from XXXX to XXXX XXXX ( with out my being notified ) sometime around XXXX XXXX. I went to pay my payment in XXXX with XXXX and it showed my loan had been paid off. When I contacted XXXX they said it was sold to XXXX and that they had sent me a notice ( which they did not ). I then called XXXX and they said they could not find my loan. I was on the phone for over 2 hours with them trying to find my loan. They finally were able to give me a loan number and told me to pay the payment online. When I went online and made the payment I noticed they did not have my insurance information which I had given to them previously. I called back and gave them the homeowners information again. I was then sent a notice by my Home Owners Insurance Company stating my insurance was going to be cancelled due to non payment. I called XXXX XXXX again and was on hold again ... I finally spoke with a Manager XXXX XXXX and was told the check would be mailed out immediately. Today I had to pay the Home Owners Insurance myself out of my pocket as the check has still not been sent. I also went online again today and the Home Owners Insurance is still not listed. The loan was transferred without my notification and the transfer has now cost me over {$1500.00} due to my having to pay the Home Owners Insurance Policy myself. 
I received the Welcome Package on the XX/XX/XXXX ( I have included the package although it is dated the XX/XX/XXXX) ... I also received an escrow analysis from XXXX on the XX/XX/XXXX ... it is also dated the XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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

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. 

Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I was in several data breaches an Im asking that this be cleared up and balances XXXX  out.
Product: Vehicle loan or lease

We recently decided to sell our vehicle, so we had a buyer and we called Ally Auto to get a payoff quote, the lady at first told me she faxed it. The second time I called they said yes we will send it. The third time I called they said they couldn't because of an error on the account, but they would remove it and get the payoff quote sent to the dealership, I called today and recorded it they said they can't give me a payoff quote because I owe a payment. Then suddenly it was they can't because one payment was sent to collections. The dealership in XXXX Alaska also called Ally, my daughter also called and they are refusing payment.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the removal of inaccurate late payments reported by XXXX XXXX  for the months of XXXX, XXXX, and XX/XX/year> from my credit report. These late payments are having a significant negative impact on my credit score, and I believe they are not accurately reflecting my financial situation during that period due to extraordinary circumstances brought on by the XXXX XXXX. 
During the specified period, I faced severe financial hardship caused by the pandemic, which temporarily affected my ability to make payments on time. Under Section 4021 of the CARES Act, consumers like myself, who entered into any form of relief agreement with their creditors, such as deferments or forbearances due to XXXX, should have had their accounts reported as " current '' on their credit reports, provided they were complying with the terms of such agreements. 
Despite this legal protection, XXXX XXXX  continued to report these payments as late, which I believe is an error in the handling of my information. The continued presence of these late payments on my credit report is unjustly damaging my credit score, resulting in higher interest rates, reduced access to credit, and additional financial difficulties. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ), credit reporting agencies and information providers are required to ensure the accuracy and completeness of the information they report. Furthermore, the FCRA, along with 15 USC 1666 ( b ) and 1637 ( b ) of Title 15, protects consumers by requiring the correction of any errors or inaccuracies. 
I have already disputed this information directly with the credit bureaus, but the late payments remain on my credit report. Therefore, I am seeking the assistance of the CFPB to intervene and ensure that these late payments are removed in accordance with the legal protections provided by the CARES Act and the FCRA. 
Please find attached copies of the letter sent to the credit bureau with my credit report highlighting the disputed late payments, as well as any relevant supporting documentation. I respectfully request that the CFPB assist in the removal of these inaccurate late payments from my credit report to restore the accuracy of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
Those item include XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the XXXX  couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is an insult Thank you. 
XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

C.L.U.E AKA XXXX XXXX is Reporting to XXXX and Insurance companies about my past Driving history.
Product: Debt collection

I checked my credit reports and saw an account for Lobel for an auto repossession. The account is very old and i can not afford to pay for the total amount. I would like to settle for {$1000.00}. They call me monthly and i have told them to stop calling. they are violating the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is illegally reporting inaccurate information about me. They are reporting that I have an account with XXXX XXXX XXXX  that is open and with a past due balance of {$580.00}. This is a violation of FCRA and is in violation of requisite METRO2 compliant reporting standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX XXXX that the information they are providing to the credit Bureau is incorrect, they sold my loan twice to different collector agencies after i called to ask them and spoke to the supervisor XXXX, he told me that my account wasn't on collections and to resume paying the loan with them, Wish I did. After seeing that my account was showing several late payments I contacted them again and they said to Discard that information. After several attempts to make payments and finally close the account, being told they were going to send me a letter so I can dispute the other two credit collectors, they never did. Same account being reported three times on my credit with inaccurate balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$940.00}
Product: Credit reporting or other personal consumer reports

I am writing this letter to address the delinquent accounts listed on my credit report. Recently, I received a copy of my credit report, which has prompted me to question why my information was shared without my consent. It deeply concerns me that such inaccurate and incomplete information is being disseminated, causing me undue stress and anxiety.
Product: Vehicle loan or lease

My name is XXXX XXXX I requested a 2 month deferment from GM Financial due to the serious nature of my XXXX  I have been with the company for years and because i have to do XXXX for the next 12 weeks I asked if I can get just 2 month deferment and customer service told me they couldn't help me so I emailed XXXX XXXX who is the CEO of the company but some girl XXXX returned my call and told me I exhausted all of my 8 deferments throughout the years, When covid hit and they did the deferments that should not have gone against my personal deferments I didn't start the pandemic so I should not have had to lose my deferments for nationwide pandemic, that should of been courtesy from the government I feel GM Financial is being very unfair due to the circumstances at hand. I am not asking to not pay it I am asking to put it to the back of the loan. Can you please help with this unfair company
Product: Debt collection

I HAVE NEVER LIVED IN THIS COMMUNITY.. IN MY LIFE. I HAVE NOT HAD ANY APARTMENT ON MY OWN. THIS IS NOT MY ACCT AND I NEED PROOF THAT I SIGNED A LEASE AND THE DATE THAT I LIVED HERE. THE ORIGINAL PAPERWORK NOT A COPY.. 
I DID NOT AUTHORIZE THIS TO BE PURCHASED.

With reference to Section 609 of the FCRA Act, I would like to request further information On the following item as recorded on my credit report. 
The report records that for XXXX XXXX XXXX is a collection agency for And l requests the XXXX documents for this information containing my appended signature and any other related information.
Product: Money transfer, virtual currency, or money service

I have been having issues with Coinbase for over 9 months that my money was stuck with them, at first I couldnt login into my account which took way too long, after about 7 months I was allowed to long in into my account which i was happy that finally I can get my money out. I try to withdraw all my money out into another wallet address which I was told they wouldn't allow be to withdraw my money via Cryptocurrency except I add a bank account. It took them several days after I was able to login before they can respond back to me. 

Now I tried adding another bank account to get my money immediately which i transferred part of my money to the new bank, Now i am trying to add another bank account or my XXXX account to Coinbase which i realized again they locked me out from adding any form of payment. 

I am tired with the way coinbase operate I need to get my money out and be done with that company. I really need help.
Product: Credit reporting or other personal consumer reports

I got a few of my credit cards taking away. Credit or closing them saying I have to high balance no house loan. And too many credit inquiries which is wrong I have car loan that is in good standing after I had a few fraud on my cards they did this very rude on phone not my fault someone used my card I think there just used every excuse to do this to me I have never been late nor missed a payment. My credit report is wrong
Product: Credit reporting or other personal consumer reports

I just checked my XXXX Credit Report and found an inaccurate account showing on it, that must be deleted according to the FCRA. The following account inaccurately shows 20 late payments. If this car had this many late payments it would have been Repossessed, but was not. 15 U.S.C. 1681a ( 2 ) ( i ) : Exclusions, states that Late Payments/ Transactions are not to be reported on credit reports. XXXX has also violated the FCRA and my rights by not following Compliance Procedures and by not ensuring Maximum Possible Accuracy in credit reporting ( 15 U. S. Code 1681e ( b ) and 15 U. S. Code 1681i ). Inaccurate Account : XXXX XXXX XXXX, Account # XXXX XXXX. XXXX has the responsibility as a furnisher of my information/ credit report to ensure accuracy in reporting ( 15 U.S.C . 1681s2 ). Also, according to the FCRA 15 U.S.C. 1666 ( b ) : Billing Error : Creditors can not treat a payment as late for any purpose. I demand that XXXX delete this inaccurate account because of all of these violations of my consumer rights, and the FCRA laws. Please mail me a corrected copy of my credit report.