23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a subpoena from Midland Credit XXXX XXXX in 2021. I cant remember the date of subpoena because it was destroyed in Hurricane Ida. It took me a days and phone calls to figure out what the debt was from. I told them I was not able to pay after not being able to work XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They refused any option of a payment plan. I sent a written reply to courthouse every time I received a letter because I did not know what else to do. On XX/XX/XXXX Hurricane Ida damaged my home and I am now XXXX in Florida XXXX XXXX XXXX. I called XXXX XXXX XX/XX/2021 to let them know I was XXXX in Florida and I was not able to write responses to courthouse because I cant get mail if they sent it to that address. I asked the guy on phone what will happen and he said if I dont pay I can go to jail so I asked him if I could make payment arrangements with him for monthly payments and he said his office is no longer on this case it was moved to another firm out of state. He did not give me a name for who was handing the case but he said XXXX was no longer handling it. Now I find out he lied about that, they are still the ones handling it. Also the XXXX number that was given on a letter to resolve is not a working number. I will have to send in paperwork on a later date. I am in XXXX XXXX XXXX Florida and my was is gutted paperwork was ruined with water from storm so it will be a while before I can locate any paperwork. The company hangs up phone on me when I call.
Product: Credit card

I wasn't aware that my account was closed, until i received a credit alert on my phone from XXXX XXXX today XX/XX/year>. I went on my online account and verified that the account was closed XX/XX/year>. I called today XX/XX/year> and spoke with the XX/XX/XXXXXXXX XXXX XXXX she advised that they sent correspondence out on XX/XX/year> I advised that I didn't receive any acknowledgement of my account being at risk of closure and I also advised her that my payments have been made on time and my recent payment that was due on XX/XX/year> was made on XX/XX/year> and XX/XX/XXXX days they closed my account without any warning or correspondence sent. She advised that they dont have to notify the consumer of that, I advised to her that in accordance with the FCRA section 506 a it states you are supposed to make the consumer aware before placing it on my credit bureau reports. So I would like to file a complaint of the violation of section 506 a. And have this erroneous negative remark off all 3 of my credit files. The FCRA includes provisions that ensure the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. For example, it outlines permissible purposes for which consumer reports can be furnished, such as for credit, employment, insurance, and rental housing1. It also mandates that consumers have the right to dispute inaccurate information and requires consumer reporting agencies to investigate such dispute. FCRA Section 506 ( a ).
Product: Debt collection

On XX/XX/2021 I received an email from XXXX with XXXX regarding a loan with outstanding balance. I contacted my bank as I had paid off a loan to another company with the name XXXX. They apparently are one in the same. they received payment. I replied to this email asking for a validation of debt as he was quoting a different name/amount that I was originally aware of and paid. 

All the email correspondence is attached along with daily voicemails. He totally ignored my request and now I am being harassed daily by email and or calls.
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 XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # 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 ) ( 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 reporting or other personal consumer reports

My social is XXXX XXXX XXXX, and on or around XX/XX/XXXX experion, and XXXX neglected my attemps to have false information and unsolicited credit checks removed from my accounts
Product: Debt or credit management

Enrolled in A XXXX consolidation program did not put all my cards in there because I was paying them off the lower balance ones and then they close my account even with nothing on the cards like your credit. Now I have no way to pay for my XXXX XXXX  trip, my credit XXXX up because of the XXXX  consolidation, they close them because they were scared if I used that account I would pay it, but I will pay all of the lower accounts off myself
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX XXXX {$210.00}. Inquiries : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/XXXX, I sent a debt validation dispute letter on behalf of XXXX XXXX XXXX XXXX XXXX to XXXX XXXXXXXX XXXX XXXX XXXX via Registered Mail ( receipt no. : RF XXXX XXXX XXXX XXXX ), which they received on XX/XX/XXXX. ( See Exhibit A ) I sent this debt validation letter ( See Exhibit B ) to XXXX XXXX XXXX XXXX XXXX because upon checking the credit report I noticed that they are reporting an account as being charged off. However, there is another entity by the name of CLIENT SERVICES, INC. claiming to be the company in charge of this alleged debt. ( See Exhibit C ) I sent a debt validation letter to CLIENT SERVICES, INC. as well on XX/XX/XXXX ( See Exhibit D ) which they received on XX/XX/XXXX, and I still have not received any response from CLIENT SERVICES INC. either. 

I received a response letter from XXXX XXXX XXXX XXXXXXXX XXXX Credit Bureau Resolutions department on XX/XX/XXXX stating that they could not provide any information or locate an account unless I provided the exact same information that was already listed in the original debt validation letter. ( See Exhibit E ) By their response, we are in agreement that pursuant to 15 USC subsection 1681 et seq., XXXX XXXX XXXX XXXXXXXX XXXX failed to comply with the terms of the original debt validation letter that was sent to them on XX/XX/XXXX. On XX/XX/XXXX, I responded with a formal notice making XXXX XXXXXXXX XXXX XXXXXXXX XXXX aware that they have acquiesced because they failed to comply to the original debt validation letter and they have failed to state a valid claim that a debt actually. Furthermore, the formal notice response letter I sent to XXXX XXXXXXXX XXXX XXXXXXXX XXXX gave them an opportunity to cure. ( See Exhibit F ) On XX/XX/XXXX, I received a response from XXXX XXXXXXXX XXXX XXXX XXXX admitting that they located this alleged account and they have placed a disagreement code with a resolution of dispute on my credit file with all of the major credit reporting agencies. This was done without them actually validating that a debt even exists. 

By their response, we are in agreement that XXXX XXXXXXXX XXXX XXXXXXXX XXXX, once again, acquiesced because they failed to comply to the formal notice which gave them an opportunity to cure. In addition to this, by their response, we are in agreement that XXXX XXXXXXXX XXXX XXXXXXXX XXXX, can not provide any contract bearing the signature of XXXX XXXX XXXX XXXX XXXX as requested. Furthermore, by their response, we are in agreement that XXXX XXXXXXXX XXXX XXXXXXXX XXXX is trying to state a claim in this alleged debt while another entity, CLIENT SERVICES, INC., is additionally stating a claim in this alleged debt matter as well. This is a violation of 15 USC subsection 1692 et seq. and 15 USC 1681 et seq. ( See Exhibit G ) XXXX XXXXXXXX XXXX XXXX XXXX has had more than 60 days to provide proof that an actual debt exists pursuant to 15 USC subsection 1601 et seq. and have acquiesced several times, which leads me to believe that XXXX XXXXXXXX XXXX XXXXXXXX XXXX is being willfully negligent and willfully non-compliant. In addition to this, it leads me to believe that I can not receive a remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # 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
Product: Debt collection

I received a letter from the law firm XXXX XXXX dated XXXX XXXX, 2015 that have been retained by Cavalry SPV I , LLC to collect on an amount due from Original Creditor, XXXX XXXX XXXX. 
I have never received any communication from Cavalry prior to receiving the letter from XXXX. From what I have come to learn this is a violation of the Fair Debt Collection Practices Act. 

I believe XXXX XXXX has also violated the FDCPA as I responded to their initial letter within the 30 days and instead of responding to my letter, they filed a lawsuit, responding to my letter two days after receiving the lawsuit. 

I am in the process of responding to a Motion For Summary Judgment as the law firm has not responded to my requests for discovery such as copies or proof of any communication attempts by Cavalry to contact me. 

I have requested proof from XXXX XXXX proving they have been retained by Cavalry to collect the debt other than the law firm stating so on their letterhead. 

I will attach correspondence at this time and will assist you in all ways possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the validity of debt on some accounts, and I 've disputed numerous erroneous names and addresses listed on my credit report, all of which are affecting my credit score. Equifax, XXXX and XXXX have failed to remove the erroneous information or provide to me the proper evidence of the disputed accounts validity that they received from the creditor which caused the agencies to update my reports to show that the debts were validated per FCRA. The accounts in question were reported by XXXX XXXX, XXXX XXXX is for {$390.00} with original creditor listed as XXXX . The other one reported by XXXX XXXX, XXXX is for {$4300.00} with original creditor listed as XXXX XXXX I never received any form of documentation from the original creditor or XXXX XXXX, XXXX to provide competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. However, for the account with an amount of {$390.00}, I did receive a letter ( over a month after my original dispute was submitted to Credit Bureaus ) with an account summary report from XXXX XXXX to XXXX XXXX, in my maiden name of XXXX XXXX, which I have not gone by in almost 20 years, but the summary report is not proper documentation proving the debt is valid and is also not competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. This letter and statement are attached. I have never had a signed contract, or any type of contract with XXXX XXXX, XXXX. I have never done business with XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delaware XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Greetings, While reviewing my credit report I noticed an unauthorized inquiry that I do not recognize. I did not authorize any of these 3rd parties in reviewing my credit report on this specified date. There is also no corresponding open accounts on my credit report. According to the FCRA, anything posted on my credit report must be AUTHORIZED, ACCURATE, and VERIFIABLE. I have listed this unauthorized inquiry below : XXXXXXXX XXXX XXXX  XX/XX/XXXX I am confident that your agency will do your due-diligence in correcting this erroneous error in hopes of not damaging my reputation as a consumer and resulting in escalation. 



With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This is my 5th attempt requesting the removal of inquiry that I did not authorize To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauEquifax, XXXX and/or XXXX ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize. 15 usc 1681 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Unauthorized Inquiries XXXXXXXX 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 credit reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name : 1.-XXXX XXXX  ACCOUNT # XXXX OPENED XXXX 2.-XXXX XXXX XXXX ACCOUNT # XXXX OPENED XXXX 3.- XXXX OPENED ACCOUNT # XXXX OPENED. XXXX 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 1681c. ( a ) ( 5 ) Section States : no report containing any of the following iter other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any inform : consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I made a dispute to XXXX XXXX XXXX regarding a report from Bank of America that states I was " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. '' on XX/XX/2018. This information creates a false impression that I was attempting to commit fraud, whereas I was trying to make a quick transfer between an old and then, new bank during my time of travel, in order to have immediate access to my funds. Unfortunately the deposit was not made in time to satisfy the amount and the account was closed thereafter. The account took no loss, as I was awaiting the deposit with no attempt to withdraw the funds prematurely, and there was no balance owed to the bank. I had spoken to a couple of bank employees that even stated that was a common problem between the bank and its consumers, therefore leaving the consumer with false reports that can last several years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine, I did not purchase anything from this timeshare company. They have been billing me and I've made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this with the credit bureau and had no resolutions. XXXXXXXX XXXX took my information they had on file and fraudulently used it without my permission to open this account. They have been reporting this inaccurate account and it is hurting my financial stability. This is a scam. I demand this to be thoroughly investigated promptly. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX but Ive had no responses. Ive sent out requests to Experian into the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issue I am facing with fraudulent items on my credit file. This is my second attempt to address and rectify this matter, and unfortunately, I have not seen any progress in resolving the inaccuracies on my credit report. 

I initially reported unauthorized and fraudulent items on my credit report to your organization. Despite my efforts and the submission of the necessary documentation, the fraudulent entries persist. I had hoped that my concerns would be promptly addressed and the inaccuracies rectified to restore the integrity of my credit history. 

Regrettably, I find myself in the position of having to file a second complaint regarding the unresolved fraudulent items on my credit file. 
I have taken the following steps in my attempts to resolve this issue : Submitted a detailed dispute through your online dispute resolution system. 
Contacted your customer support hotline on [ date ] to follow up on the status of my dispute. 

Despite my persistent efforts, the fraudulent items remain on my credit report, posing a significant threat to my financial well-being and creditworthiness. This situation has caused me considerable stress and XXXX and I am deeply concerned about the potential long-term consequences if not addressed promptly. 

I kindly request an immediate and thorough investigation into the fraudulent items on my credit file and request their removal. I also seek clarification on the specific actions taken during the investigation process and the reasons for the continued presence of these inaccuracies. 

I understand the importance of accurate and up-to-date credit reporting for both consumers and creditors. As such, I trust that Credit Bureaus will take swift and decisive action to rectify this matter and restore the accuracy of my credit report. 

If this issue is not resolved satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Date last active is inconsistent to my credit report. 
Im request the bureau to completely delete from my report. 

My life couldve been better without your mistakes. 

XXXX  XX/XX/XXXX Experian. XX/XX/XXXX XXXX. XX/XX/XXXX
Product: Bank account or service

Do to rushcard my bills are being late and im being charge late fees my card is being declined.money is taking out of my account that was not suppose to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some fraudulent accounts on my credit report. I have supplied Equifax with all the necessary information and I have yet to see any changes.
Product: Student loan

I am a co-signer on a private student loan that was taken out in  XXXX  for my son to attend college. I filed for bankruptcy in  XXXX , and the  XXXX   XXXX  loan was discharged on  XXXX   XXXX ,  XXXX .  XXXX   XXXX  was notified by first class mail on  XXXX   XXXX ,  XXXX .     My son is still paying on this loan, and when he misses payments, they call my phone several times during the day and send me emails. This happens after he has missed payments for several months, and a negative report has been made to the credit bureau. I was never told of a cosigner release.     In addition to receiving phone calls from Navient regarding late payments, i have recently received phone calls on : Saturday,  XXXX   XXXX ,  XXXX  @  XXXX    XXXX   Sunday,  XXXX   XXXX  @  XXXX   XXXX  Tuesday,  XXXX   XXXX  @  XXXX    XXXX    Tuesday  XXXX   XXXX  @  XXXX   XXXX  Tuesday  XXXX   XXXX  @  XXXX   XXXX  Tuesday  XXXX   XXXX  @  XXXX   XXXX   XXXX   XXXX  still reports missed payments to the credit bureaus, and it still appears on my credit history.
Product: Debt collection

This is an XXXX violation but I have an active XXXX   account for the past 15 years in good standing.. charges should have applied to my XXXX account and should have not resulted in charge and penalty
Product: Credit card or prepaid card

I got the American express prepaid card I bought it on the XXXX of XX/XX/2021 it sais {$1.00} to load monthly service fee of {$6.00} monthly the first charge on the card is XXXX i try to speak with customer service they keep intentionally hanging up on me