23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Employer - 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 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 Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an affidavit and dispute forms, I have been ACCUSED of using a credit repair company. I am already battling with these INACCURATE items that were put on my credit report. These accounts were clearly opened while i was incarcerated. There was a security breach. I demand these fraudulent accounts be removed from my credit report within 30 days. I expect a response about my claim in 10 days. If I dont have a response in 10 days, i will be filing a complaint with The office of the Attorney General.
Product: Debt collection

After getting a credit alert from XXXX. I preceded to look and see what it was. FCO claimes I owe over $ XXXX. So I proceeded to call and after many attempts I was bullied by XXXX XXXX who proceeded to claim I signed a lease and resided at the XXXX. This is untrue as I am a XXXX XXXX and have lived in the XXXX for 22 years. Then went on to claim I made $ XXXX a year and then I told him I have not worked since XXXX after XX/XX/XXXX. Since I have suffered with XXXX and felt safer in XXXX. Also, I told him I was there 1 day on move in and went to the office where I signed for a key with a old fashioned pen not Docusign. I have never spent 1 Night at the XXXX or even lived there. Then he mentioned co-signed which I did not. Now when I call they hang up and say it is in review. So I asked to please remove it off my credit until they sort out whatever mistakes they made. I have since try calling Managers XXXX XXXX, XXXX XXXX and XXXX XXXX. Not able to reach or do they respond. After many emails I have yet to receive any documents to prove their claims. Only they claim that the debt was reduce to $ XXXX but still they leave it at XXXX on debt collection. To date I have never had a missed payment on any debt and I find this company is a bully, unresponsive and aggressive and I cant answer a simple question or send me proof. 

Please look into this situation. 

They told me to reference a case number XXXX
Product: Debt collection

Our church continually receives physical mail and phone calls from Biehl & Biehl out of XXXX XXXX, IL stating that there is a past due amount due to XXXX. Our church has never had an account with XXXX. Further, the documents this company provides have a gross misspelling of a former employee 's name ( her actual name is XXXX XXXX XXXX XXXX, which they spell as " XXXX XXXX XXXX XXXX. '' She would have had no reason to use XXXX services, which are not even outlined clearly on the obviously falsified " invoices '' Biehl & Biehl has provided. The XXXX logo is pixellated and unclear. The name is clearly wrong. Charges are vague at best. We have filed a complaint with the XXXX XXXX XXXX, and have notified Biehl & Biehl as such. There are NUMEROUS complaints against this " company '' on the XXXX website. They need to be investigated and shut down.
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 3 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 this 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 : XXXX XXXXXXXX XX/XX/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 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

XXXX XXXX XXXX XX/XX/2013 Acct XXXX Statute of limitations has passed and I have attempted to resolve this matter with an agency as well with no result.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/23 I got emails from XXXX  addressed to XXXX and sent to XXXX that was an order confirmation for an order from XXXX XXXX XXXX XXXX that I didnt place. The customer name was XXXX XXXX ( my maiden name ) and the address was in Ohio ( I live in Texas ). I have an account with XXXX  because I use their app to track shipments to me but I have never used Affirm / XXXX XXXX to finance anything. 

I received subsequent emails stating that I had set up payment installments. I tried to find customer service to notify them that I did not initiate this transaction, and I found an FAQ that said to reach out to the merchant. So I emailed XXXX XXXX XXXX XXXX and said that I didnt initiate this purchase, but they didnt reply. 

I received an email that said that automatic payments for my loan were set up on a card whose last 4 digits dont match any of mine. I figured out how to open a case with Affirm on XX/XX/XXXX. They emailed me and asked me to fill out an Affirm Customer Protection Affidavit but there was no link or explanation of how to do this. 

I have received numerous emails that my account needs attention and my auto payments didnt go through. I called Affirm and they told me that they can see that my auto payment was never confirmed so on their end it looks like I am not on the hook for the money. However, I continue to receive emails with escalating urgency saying that this will hurt my credit etc.
Product: Student loan

Dear Madam or Sir : My original student loan with Discover was for {$24000.00} - I have been paying since XX/XX/XXXX - paid a total of {$12.00}, XXXX. Principal paid is {$2100.00} and {$10000.00} in INTEREST! 

I have been in deferment for almost XXXX months because I am getting a XXXX XXXX XXXX and I now see that my deferred interest is {$3200.00}. 

My total loan balance in XX/XX/XXXX is {$28000.00}. 

MORE than the original amount after paying for XXXX years. This is what is called XXXX XXXX. I have tried to refinance and to no avail. If there is anything that you can do to help me, I would greatly appreciate it. Please let me know if I need to send in more details. 
Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX, I have noticed a fraudulent account Account name, XXXX XXXX XXXXXXXX. 
Account number XXXX Date opened XX/XX/XXXX Date closed- Balance XXXX Account status open past due XXXX as of XX/XX/XXXX Last payment date XX/XX/XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/year> my vehicle was repossessed, I was told I would have to submit a cash only payment either via XXXX XXXX or a wire transfer and pay up through next month. Instead of reinstating the loan, I submitted a wire transfer on XX/XX/year> for the entirety of my loan plus the repossession costs and was told a repossession release would be submitted within XXXX business days. Upon the XXXX business days coming to pass I contacted the repossession company and was told that the release has not been filed and I would need to contact the back. After receiving multiple different telephone numbers to incorrect departments and multiple transfers I finally made it to the repossession department to be told they thought I submitted an ACH transfer and they were unaware it was a wire transfer so my release was on hold until XX/XX/year>. After providing the reference number for the wire transfer I was advised that the transfer type was updated and emailed for approval and my immediate release paperwork would be sent to the repossession company. Allowing time for the update to occur, I later contacted the repossession company back to inquire about the release and they advised that the release had now been sent but that the hold for XX/XX/year> was still incorrectly active so they are unable to return my vehicle to me despite XXXX bank no longer owning a lien on my vehicle and I would need to wait out the weekend and check back on Monday XX/XX/year> to see if the bank has finally filed the correct paperwork or not. These continued oversights and negligence on the paperwork XXXX employees are filing is producing a loss of wages and major inconveniences for my family including my children being unable to attend school as they are continuing to not correct their mistakes.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer science help me out by finding a way to check if my Gmail emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Credit bureau 's is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed. according to 15 USC 1681 : I have the to privacy and did not give XXXX, TRANSUNION, XXXX written permission to furnish these accounts listed below. 

1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

8. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 9. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting

I get so many inquiries who was not required by me and I really need to get removed from all XXXX credits bureaus this inquiries is hurting my credit score and my ability to applied for anything.
Product: Debt or credit management

I had an account with Lexington law. I want to give them my new address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX I WANT TO BE INCLUDED IN THE LAW SUIT.
Product: Credit card or prepaid card

I filed a dispute with my credit card company due to overpayment from a charge in XXXX. The credit card completed its investigation and determined that I did owe Affirm and reversed the charge. the credit card PAID affirm on XX/XX/XXXX {$87.00}. Affirm claims that I HAVE NOT PAID, and that their system WILL NOT and DOES NOT take chargeback payments and that I MUST log into my account to pay. Logging into my account would result in another dispute, as I have paid the credit card bill with the {$87.00} on it and thus, paid Affirm. I OWE NOTHING! these THIEVES want more money, even though the CREDIT CARD PAID THEM ON XXXX!!! 

I was having trouble attaching, but below is a direct copy and paste from my credit card account for the transaction on XX/XX/XXXX to this merchant : Transaction Description Adjustment - Purchases Transaction Amount {$87.00} Authorization Date XX/XX/XXXX, XXXX XXXX, XXXX Posted Date XX/XX/XXXX, XXXX XXXX, XXXX Original Description XXXX  XXXX Category Financial Transaction Type CHARGE If you would like to dispute this transaction, please call XXXX. 

I have also filed with the XXXX. This company is a THIEF and justs wants more money than they are entitled! They were paid on XX/XX/XXXX by my credit card comapny!
Product: Checking or savings account

Wells fargo kept my debit payment on pendent until i have not more found, so in that moment well fargo prossed the payment when i have not more found and charge me So when i called twice they closed my acount with no reason
Product: Credit card or prepaid card

I recently mailed letters, as per my rights as the Fair Credit Reporting Act allows, to the three credit bureaus demanding proof of this alleged charged-off account, furnished by Capital One or remove the account from my files with them. The bureaus reported back within several weeks that they were regarding this account as valid, but I have not received any proof as to the validity of the account. Specifically, XXXX  has it listed in their latest report to me that investigation complete-reported by data furnished. Capital One reports the account in such a manner yet demonstrated that the investigation, was in fact not complete in the sense of their subsequent mailing to me directly. On XX/XX/XXXX, I received a letter from Capital One requesting that I provide them with information regarding the nature of my dispute. My demand was straightforward, proof the validity of this account, the basis that it is being furnished to the credit bureaus and verify it by the manner that a holder of the right to furnish that information should, signed valid contract, chain of assignments of any holders of the alleged account and a sum certain accounting of the amount of the account, including all fees and interest. They appear to be either unable or unwilling to provide this information and if they can not prove this account, what right does Capital One have to put this information on my credit report in the first place? 

Apparently they have told the three credit bureaus that the account was valid as listed yet write me asking for information pertaining to the account, showing no proof as to the positive existence of this account yet requesting information of me regarding how the account is showing on my credit reports. They should know this since they are furnishing the information and if they can not confirm that information they are placing there is correct then they should remove that information. I am familiar with the Unfair, Deceptive, Abusive Acts or Practices part of the Dodd-Frank Bill. This should certainly apply in how this company is conducting its business here. If they can not prove the validity, of this account, if it is unverifiable, they should delete it. They are violating the law otherwise. Also, along the lines of the XXXX, the account is listed as being charged-off back in XXXX, yet in XXXX they added another {$160.00} on what strongly appears to be another violation. And they list a credit limit of {$8600.00} to an account that is allegedly closed and have it listed on a couple of my credit reports at 73 % usage. I would imagine if the account was actually closed and subsequently charged-off the term usage in this matter would fall under being a deceptive act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested Equifax to verify in writing a copy of wet signature contracts proving the bankruptcy & debts were mine. On XX/XX/XXXX Equifax completed their dispute process & advised that the public record was verified via XXXX as being mine & dated XX/XX/XXXX as the verification date. I have a letter from XXXX that my consumer report was frozen on XX/XX/XXXX & nothing would be released without me lifting with my pin number. I also submitted a copy of a letter dated XX/XX/XXXX from the Chapter XXXX court stated they didnt report any info on me to any consumer reporting agency. Equifax has not provided me with a wet signature contract & their report states the info I requested to be removed was verified. They also state the public record bankruptcy was verified via XXXX on XX/XX/XXXX. They both are violating the section 609 ( a ) ( 1 ) ( A ). I also provided a copy of a 14039 affidavit from the IRS that I am a victim of identity theft as someone used my SSN to file federal taxes. This alone without a copy of the contract justified removal from my file.
Product: Credit reporting or other personal consumer reports

This is yet again totally illegal as of XX/XX/XXXX and is totally illegal by reporting from these credit Bureaus. Please remove these items or legal action will be taken. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXXXXXX XXXX XXXX XXXX {$210.00} Date Opened XX/XX/XXXX XXXX XXXX {$4900.00} Date Opened XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$250.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXXXXXX XXXX
Product: Student loan

I lost my job early last year XX/XX/2016 because I was in and out of the hospital because of XXXX, getting XXXX, and battling my XXXX. I called Navient because I had troubles making payments. The Representative told me he put my account in a non collectible status and to call back when I could make payments. Never once did I receive a letter, but month 3 of not making payments I got a call saying that my account was in collections. My credit score took a very bad hit. I told the manager on the phone that I want a record of the first call and she said I had to get a subpoena. I want that collection to be removed from my credit score because I was following their instructions.
Product: Student loan

I had multiple loans through Sallie Mae. After graduation I joined the XXXX. Before my repayments were to begin I called and set up a forebaerance so as to avoid default on my loans. When I got done with XXXX 6 months later I was informed that I was delinquent on all of XXXX ( XXXX for each semester ) loans. As a result my credit has been shot. Over the last few years I have tried to set up an income based repayment plan but was constantly denied. It was n't until the fall of XX/XX/2016 ( 8 years after my first application for income based repayment schedule ) I was granted the income based repayment. I feel that they should do a courtesy retraction of what they reported to the credit agencies. This would allow me to rebuild my credit and become financially stable enough I might be able to make some payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX to fraud had an XXXX ACCOUNT opened in my name. After i closed my 1st account I made a payment before it went to collections. I provided proof of fraud activity of the 2nd account because it was NOT mine. I sent documents of me reaching out to the Credit Bureaus, XXXX and XXXX XXXX. XXXX   XXXX  removed the collection since I shown proof the account was NOT mine. I provided the Credit bureaus proof of the removal and XXXX, XXXX & Equifax removed the collection. A month later XXXX added the account back on my report with out prior notification. They just keep saying account verified. But they only provided a bill NOT a contract, or any letter stating that they will be adding the fraud account back on my report. The total amount of the collection is {$560.00} from 2015. I have sent numerous letters and made numerous calls to all 3 places, XXXX, Equifax and XXXX this is a direct violation of FCRA and it needs to be removed as soon as possible. Thanks in advance.