23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a complaint against XXXX XXXX XXXX regarding a debt of {$2300.00} that originated from Upstart. While I acknowledge that this debt was incurred, my financial situation has drastically changed, and I am now unable to repay it. Despite my financial hardship, XXXX XXXX XXXX continues to report this debt, causing significant and ongoing damage to my credit score. 

Moreover, I have not received proper validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This includes proof of the original agreement with Upstart and their legal right to collect this debt. The lack of validation makes their continued reporting both misleading and unfair.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2, creditors and debt collectors are obligated to ensure the accuracy of the information they report. Given that this debt is unvalidated and uncollectible, its continued presence on my credit report is unjust and harmful. 

I request that XXXX XXXX XXXX immediately cease all collection activities and remove this debt from my credit report to prevent further unnecessary damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following Accounts, have 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 an account without my written instructions.

15 U.S.C 1681 ( 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. 1681-2 ( 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. 


I've been a victim of identity theft and never applied for any of these accounts : American Express XXXX XX/XX/2018 I have a letter from American Express stating the account was opened fraudulently I also a police report and a FTC REPORT. 

Please remove the American Express account from my XXXX and XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate derogatory information on my credit report. They have not provided applications or any documentation with my signature as verifiable proof. I have requested to have this account deleted without any success. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX Date Reported : XX/XX/2014
Product: Credit reporting, credit repair services, or other personal consumer reports

After taking a look at my excellent credit score, I noticed on my XXXX account and XXXX on XXXX, that your company posted a collection on my account without first notifying me of an alleged debt. I have reason to believe I do not owe this debt The Fair debt Collection Practices Act ( FDCPA ) .. has certain rules in place to avoid fraudulent collections, and you did not follow their policies. You are to notify the alleged debtor of such debt to confirm is a legit debt, and the person you are harassing is the correct person and not someone else. I was never given that opportunity to view your alleged collection, and should have been allowed to respond to your demand letter within 30 days after receiving such notice I have to notify you that you are in violation of the Fair debt Collection Practices Act ( FDCPA ) .. 
I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name, mailing address and Email Address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4 Itemized breakdown of money owed and why 5. Demand an immediate cancellation of the Credit Card and an investigation report sent to me as to who and where such credit card was mailed too and who activated it and when If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Any and all future demands I request to be mailed certified and with a tracking number to avoid any confusion Sincerely, XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

Despite my XXXX prior demands, the unverified items below still tarnish my credit report, blatantly violating Federal Law. In their so-called responses to my dispute letters, they claimed these items were verified but couldn't even produce the documents used for this so-called verification, despite my clear request. 

Their failure to provide these documents proves they can't and didn't verify any of the disputed accounts as they falsely claimed. Their refusal to delete the disputed accounts after XXXX written demands shows a blatant disregard for Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF ED/XXXX  XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found out that decreased by XXXX points due a late payment report from XXXX  XXXX XXXX on XX/XX/XXXX XXXX i checked thXXXX XXXX XXXX XXXXXXXX XXXX payments and were on time, also I called XXXX XXXX XXXXXXXX and they verified that the information report from TransUnion is wrong and they created a dispute case also. 
Please help me get this corrected. I always pay on time
Product: Payday loan, title loan, or personal loan

I have been scammed, a supposed employer told me I would be receiving 2 transfers into my personal checking account. When I noticed Upgrade took out an automatic payment out of my checking account, I immediately called Upgrade and filed a case with them. 
There were 2 loans one for a total of {$38000.00}. 
XX/XX/22 - {$28000.00} XX/XX/22 - {$10000.00} I then realized once speaking with Upgrade that they were the same exact amounts I received from an online job that has contacted me for part time work from home earlier in that month. I was looking online for a part time job from home, evenings and weekends and was contacted by a person saying they worked for a Architectural engineering company based out of the XXXX with offices in XXXX, IL and XXXX, TX. After doing some research, I learned the company was legitimate. After running my credit, and sending my information they deposited the above 2 amounts into my account and directed me to send cashier checks, wire transfers. Later I was instructed to buy bitcoin. That was when I became suspicious, but it wasn't until a week later I saw the loan payment come out of my Checking account. 

As it turns out that I see, I was scammed and they used my information to open up these 2 loans in my name and send the money to other people. 
I can't pay these loans back, nor do I have the money from the loans. 

The only information I have on is the person 's name that contacted me was XXXX XXXX and also 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 Report Act XXXX, Account : XXXX, Creditor : 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. 
I don't owe this company.
Product: Vehicle loan or lease

I traded a vehicle in XX/XX/XXXX The vehicle was not able to be properly paid off by the dealership I traded in at XX/XX/XXXX. 
I was not aware of an issue until XX/XX/20 I contacted the dealership and they paid of the remaining balance. I told global lending what happened they do not care. And will not work with me I need my credit fixed I never missed a single paid this is ruining my chances of getting into a property. I had no part in the mistake. Im XXXX never dealt with this before and XXXXm trying my best to fix it. I take credit very seriously I have plans of a business loan and house loan soon. Please advise and help.
Product: Checking or savings account

I bought a XXXX plain ticket from XXXX they agreed to give the money back but issued it to a closed account I tried to explain this to BOA multiple times and they never excepted documents or tried to help me at all. I need my money back
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have recently identified that there is negative information reported by " XXXX XXXX XXXX XXXX  '' on my credit reports under my Social Security number. After ordering a copy of my credit report, I see an entry from this court listing XXXX with Reference # XXXX filed in XX/XX/2020 The account XXXX with Reference # XXXX filed in XX/XX/2020 with this court appears to be inaccurate. Please verify and validate this information with the court and provide me with copies of aLL documentations associated with this account granting you authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep having another overdone info on XXXX XXXX XXXX  and its not me. The debt collection agency is XXXX XXXX XXXX  department XXXX XXXX XXXX XXXX XXXX Texas XXXX in the amount of XXXX that was reported XX/XX/XXXX on my credit from south Florida XXXX XXXX then there is another reporting in the amount of XXXX. From the same hospital amd Ive called and keep getting the run around. I live in Indiana so this is obviously not my bill that is being reported. Ive called the debt collector and they cant do anything. This is wrong why I have to keep calling to prove its not mine.
Product: Credit reporting or other personal consumer reports

Subject : Request for Action Due to 2017 Data Breach I am writing to formally address the violation of my federal rights pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) as a result of the XXXX  credit data breach that exposed my personal information. 

On [ insert date of breach notification, if known ], I received notification that my sensitive data, including my name, Social Security number, and other personal information, was compromised. This breach has caused me significant concern regarding identity theft and the security of my personal information. 

Under the Fair Credit Reporting Act, I am entitled to certain rights to protect my information and ensure its accuracy. I am requesting that you take the following actions : remove all negative report off my account ending in XXXX XXXX
Product: Debt collection

IQ Data contacted me today ( XX/XX/21 ) in an attempt to collect a debt of {$130.00} which was, to my knowledge still disputed. The company misrepresented the outcome of the dispute stating that the dispute had resulted in the debt still being active and I paid in fear of my credit score dropping. However, when I went to check the results of the dispute, the case had actually been ruled in my favor days prior. IQ Data misrepresented my dispute for financial gain at my expense.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX Phone number XXXX XX/XX/2023 Experian Customer Relations XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Legal Remedies for Inaccuracies on Credit Report - Account Dear Experian Customer Relations I trust this communication finds you in good health. I am writing to address a matter of substantial concern related to the reporting of the XXXX XXXXXXXX account on my credit report. My primary objective is to present a concise and factual assessment, grounded in consumer law, the Fair Credit Reporting Act ( FCRA ), and relevant legislation. 

1. **Inconsistencies in Reporting : ** a. Violation : FCRA 1681e ( b ) b. Factual Basis : The reported " On time '' status contradicts FCRA 's mandate for accurate and complete reporting, particularly in the absence of payment history data. This inconsistency raises concerns about the integrity of the reported information. 

2. **Discrepancy in Balance Reporting : ** a. Violation : FCRA 1681e ( b ) b. Factual Basis : The reported balance of {$130.00}, incongruent with the stipulated monthly payment of {$0.00}, deviates from the FCRA 's requirement for precise and transparent financial reporting. Such discrepancies undermine the accuracy of the credit report. 

3. **Lack of Account Closure Information : ** a. Violation : FCRA 1681s-2 ( a ) b. Factual Basis : The absence of information regarding the account closure date, if applicable, violates FCRA 's mandate for comprehensive and up-to-date credit reporting. This deficiency compromises the completeness of the reported details. 

4. **Failure to Provide Required Documentation : ** a. Violation : FCRA 1681g b. Factual Basis : The credit bureau 's failure to furnish necessary documentation, as evident from previous correspondences, contravenes consumers ' rights under FCRA 1681g to request and receive information pertaining to the reported account.

5. **Failure to Conduct a Reasonable Investigation : ** a. Violation : FCRA 1681i ( a ) b. Factual Basis : The credit bureau 's reluctance to conduct a thorough investigation into the identified discrepancies, as presented in previous disputes, violates the obligation outlined in FCRA 1681i ( a ) to ensure the accuracy of reported information. 

Enclosed herewith are supplementary materials, including screenshots, additional payment details, and relevant documentation, to further illustrate the factual basis for these violations. 

In light of these legal infractions, I expect an immediate and comprehensive review of the inaccuracies in the reporting of the XXXX XXXXXXXX account, with due consideration of the legal obligations outlined in consumer law and the FCRA. Failure to address these concerns will necessitate further legal action to rectify these violations. 

I anticipate your prompt attention to this matter, and I am hopeful that we can resolve these issues in accordance with the letter and spirit of the applicable laws. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Screenshots, additional payment details, and supporting documentation ]
Product: Debt collection

This company is harassing and trying to collect on a debt I do not know nothing about. I dont owe this debt
Product: Credit reporting 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, Account name : XXXX XXXX Account name : # 1234, Account name : XXXX XXXX, has violated my rights.

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: Mortgage

On or before XX/XX/2020 I made an inquiry to Owning to refinance our home mortgage. I provided all of the required information to the representative, XXXX XXXX. I told the representative two very crucial factors : 1. My husband has lost his primary employment due to COVID but was woking as pert time adjunct faculty at XXXX XXXX XXXX University, and was still subsequently receiving unemployment benefits. The representative stated that this should not be an issue so long as he was still employed. 

2. My husband and I attended XXXX XXXX  and had federal student loans. Since the cost of law school is so extensive the monthly payment that is reported on our credit report is far beyond what we actually pay. I explained to the representative that we only pay 10 % of our income as we are on a federal income baed student loan repayment program. She said she would communicate this information to the underwriter. This is imperative because in the calculation of our debt to income ratio the representative stated that we were over the threshold of 50 %. Yet our student loan debt reported was in excess of {$1600.00} for my self and my husband in which we pay XXXX and XXXX monthly respectively. 

I asked the representative to communicate this to the underwriters and to let them know that we would provide authenticating payment history of our student loan payments, income based repay-payment plan, and any other supporting documents and I was told to " contact the credit bureaus to fix an inaccuracies ''. 

I can not be the first borrower who is under an income based repayment plan. We have never run into this issue in the past with other lenders. Also, I have never received notification of the denial or the reason for the denial. I only found out this information after i contacted the representative directly. 

The responses that I have received from the representative have been very antagonistic and almost accusatory that this is my issue that I need to resolve. I have never come across a company that was so unwilling to assist in a home refinance.
Product: Credit reporting or other personal consumer reports

It's been unauthored information reported on my credit report I reach out to the companies and credit bureaus that failed to verify the information by providing documents requested of my signed name on the documentation that authored my social security number to be used they also failed to remove the information. Please see the attached documentation that was also sent to the creditor and credit bureau that they failed to response. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
Charge-Off Account 1. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX 2. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX 3. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX 4. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX, Account Number : XXXX XXXX XXXX XXXX, Amount : {$790.00} 5. XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number : XXXX XXXX XXXX XXXX, Amount : {$1000.00} Inaccurate Information 1. Names : The names 1, Incorrect Name XXXX, XXXX, XXXX, XXXX XXXX XXXX are listed on my report. My correct legal name is XXXX XXXX. 
2. Addresses : The addresses 1, Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX 2, My correct address is as mentioned above. 
3. XXXX : The employers 1, Incorrect Employer XXXX XXXX listed in my report are incorrect. 
Collection Accounts 1. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX, Account Number : XXXX XXXX XXXX XXXX, Amount : {$790.00} 2. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number : XXXX XXXX XXXX XXXX, Amount : {$1000.00} Fraudulent Inquiries XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX 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 ) 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.