23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. Someone has my personal information, and has been putting in for credit application. I was just became aware of this the morning of XX/XX/XXXX. These are the following creditors that have pulled my report, and the dates. Some of them have pulled multiple times from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

SIRS, HAVE BEEN SENDING VARIOUS COMPLAINTS ABOUT THE TOTAL IN CORRECT INFORMATION IN MY CREDIT FILE! 
FRAUDULENT ACCOUNTS BELONGING TO ANOTHER XXXX XXXX ARE BEING REPORTED IN MY CREDIT FILE.I HAVE FILED AN FTC REPORT XXXX XXXX 
FRAUDULENT ACCOUNTS AS FOLLOWS LISTED ON FTC REPORT! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NOT MINE, UNATHORIZED! 
PLS BLOCK ALL THESE FRAUDULENT ACCOUNT, FTC RULES AND REGULATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening my name is XXXX XXXX, XXXX for short. Myself and my lawyer had a dispute against the Toyota XXXX XXXX because they conducted business in an unsavory fashion. Not providing correct documentation. So my lawyer reached out to the XXXX dealership as a courtesy to them and they refused. So my lawyer tried again and they agreed in a legally binding contract to pay the vehicle the XXXX XXXX XXXX payments off in full! Im which I receive a settlement of {$10000.00} and a letter exonerating me of all payments for the XXXX. Later my lawyer and I found out that Toyota Motor Credit still had a balance of {$23000.00} on my credit report. Again the lied and failed to uphold the agreement of the legal contract! Ive have uploaded prof of the documentation to the dispute center. I would like for this to be removed from all three Credit Reports because it is damaging my credit with a negative impact on my credit score and has been and it is not allowing me to acquire certain attributes as a home for my family and I. Ive served in the military for over 15 years now and Ive never experienced such blatant disrespect for a service member. I can only imagine how they conduct business with a civilian! 


Very Respectfully, XXXX XXXX
Product: Student loan

I had arranged recurring payments with Navient, set at {$78.00} biweekly to manage my payments better. However, there was an instance where they missed withdrawing a payment. They've also claimed not to have received a payment on XX/XX/XXXX, despite my confirmation that the payment was made. This has me concerned about other potential errors in their management. I'm worried about the impact on my credit score due to their failure to honor the agreed-upon terms between myself and the financial institution, constituting a breach of our legally binding agreement. In addition to not taking out the funds they also never followed through on the agreement to send me the required documentation as mentioned in the text. I have attached the text to this complaint. 

Today, on XX/XX/XXXX, I contacted them regarding the missed payment. Initially, they stated they weren't aware of the reason, then mentioned it bounced back from the bank. When I requested documentation to verify this claim, they couldn't provide it, which seems suspicious. I had sufficient funds in the bank at the time, leading me to believe they didn't process the payment and are now seeking both the delayed payment and a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent equifax a certified mail letter on XXXX. Till this day they never responded to me. I am stressed that they failed to respond and its been over 45 days. 
Equifax is in violation under XXXX XXXX XXXX, they are reporting inaccuracies and unverifiable account on my credit report. I am requesting the removal of all disputed accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS SOME ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE AND IN VIOLATION OF THE FCRA. 
ACCOUNTS- XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX   XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX  XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX0NOT MINE XXXX XXXX XXXXNOT MINE XXXX  XXXX  XXXX  XXXXNOT MINE
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account I have the right to accurate and updated information on my credit report. Incorrect details, like an invalid address, and inaccurate accounts reporting can negatively affect my creditworthiness. I request the removal of any inaccuracies related to my address and any unsubstantiated information. According to the FCRA, you have XXXX  days to resolve this dispute and inform me of the results. 


Thank You, XXXX XXXX
Product: Debt collection

My name is XXXX XXXX I had a XXXX 'XXXX  XXXX membership. I canceled the membership many months ago. They are seeking {$350.00} through the collection company of First Credit Services. My membership was canceled in writing via email like they asked me to do. I never owed anything. I tried explaining this to their collection team and they wouldn't hear it. I still have the e-mail to them showing I canceled it prior to any fees. They are using First Credit Services to try to collect a debt I don't owe. XXXX 'XXXX  XXXX  would send a no reply email alerting me of these fees. It shouldn't be legal to use these no reply emails, because it left me no avenue to explain the earlier email sent showing cancellation prior to any fees. The reality is, they don't want to hear from customers, it is a ploy to try to get them into collections. 

First Credit Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Account Number XXXX My email is XXXX My phone number is XXXX. I want to launch a complaint against both XXXX 'XXXX XXXX and their collection arm First Credit Services , Inc .
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 XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX # XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX 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: Mortgage

II had talked to a representative about changing due date on my mortgage payment in XX/XX/2018 to the XX/XX/XXXX of the month because i get my XXXX check on the XX/XX/XXXX. HE said that it would not be a problem that he would change it.XXXX XXXX sent paper work for me to fill out. I marked due date because their representative said that he changed it to the XX/XX/XXXX of the month. He said nothing to me about any paper work! I filled out paper work, faxed it back. I got my monthly bill, still set up to take payment out on the XX/XX/XXXX! I called them and they said that i filled out the wrong date that i would have to send in an other copy to change the date so i did even though i did what their rep. told me to do! They still took out payment on the XX/XX/XXXX, causing an overdraft of XXXX dollars! Icalled them again and was told that i was supposed to write delete first set of paper work! No 0ne said anything about doing that! on XXXX XX/XX/XXXX they took out another payment, leaving me NO MONEY in my account! I called again and they said that I WOULD have to get copy of bank statement, fax to them before they could return my money! I had to borrow the money to fax them! now they keep giving me all kinds of excuses about putting the money back! They also increased my mortgage payment from XXXX to XXXX saying that my house insurance was to high! I followed the guide lines that they set! i truly think that this company is taking more of my money then is necessary! total overdrafts comes out to XXXX plus the mortgage payment of XXXX! I know that this does'nt seem like a lot but i only have my XXXX money and i have other bills to pay and i need money for gas to go to doctor appointments i can, t do anything until selene finance puts my money back! I hope that something can be done with them, because i know that i can't be the only one having problems with them!
Product: Debt collection

Im having multiple personnel trying to contact me about a debt collection I have no knowledge about. No specifics of where it came from. Collection is from Credit Corp Solutions INC. for {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Some companies are reporting late when my payments have always been on time. 

XXXX XXXX XXXX XXXX XXXX XXXX NEVER LATE XXXX XXXX BANK NEVER LATE XXXX XXXX XXXX NEVER XXXX XXXX XXXX XXXX NEVER LATE XXXX XXXX NEVER LATE INQUIRES ARE NOT MINE XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AUTO MALL XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute the recent credit report that contains inaccurate information regarding my account. The erroneous information is as follows : [ Specific inaccurate information, such as " charged off account '' and incorrect balance ] I believe this reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the collection agency has failed to : Provide validation information : As required by 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has not provided the necessary information to validate the debt.

Allow me to dispute the account : In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to dispute the debt within the required timeframe.

Refrain from furnishing false or misleading information : The collection agency 's actions in reporting this account without proper validation and disclosure constitute false, misleading, and deceptive practices.

Comply with disclosure requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), the collection agency is prohibited from furnishing any account to a consumer reporting agency without providing all required disclosures.
Product: Credit reporting or other personal consumer reports

Transunion delete these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not supplied proof under the doctrine of estoppel by silence, Engelhardi v. Gravens ( mo ) 281 SW 715.719, I presume that no proof of the alleged debt. nor therefore any such debt, in fact therefore exists Remove immediately XXXX XXXX
Product: Payday loan, title loan, or personal loan

Previously I disputed false advertisement and false assumptions with the BBB on XXXX XXXX XXXX. They persist that I applied for a personal loan on XXXX XXXX, XXXX, which I did not. References to the first dispute is below in the inbox. XXXX XXXX Bank was notified by XXXX that I was affected by the security breach, XXXX ( XXXX XXXX, XXXX ). This when they said I applied for the credit, as you see in the information I supplied, I did not apply for credit initially. Now I believe that this could be the result of the security breach. The advertisement stated that checking to see if I qualify for a loan, it would not affect my credit, but I received a hard inquiry. The online advertisement is below in the drop box. The application they provided is totally incorrect as highlighted.
Product: Mortgage

I began short sale negotiations on XXXX/XXXX/16 with XXXX XXXX of XXXX, after I lost my job on XXXX XXXX, 2016 with the XXXX. I knew I was n't going to be financially fit to maintain the current XXXX modification plan approved by XXXX. XXXX XXXX and I have been in touch throughout the process. For I 've completed all of the paperwork XXXX required from me ( see RMA ) to complete the short sale process. I was eligible to receive {$10000.00} for relocation assistance under the HAFA modification program the property is my primary residence. Effective XXXX XXXX, 2016, XXXX transferred the loan to KONDAUR Capital Corporation ( see Notice of Servicing Transfer ). I was told by XXXX XXXX that they do not participate in HAFA program ( see text messages ). I have no other place to go and I 'm rebounding from becoming gainfully employed in XXXX 2016. I am appalled that XXXX transferred the loan in the middle of the short sale and the new servicer KONDAUR is not a participating in the Home Affordable Foreclosure Alternatives Program. I 've complied with all the requirements according the short sale paperwork and by the required deadlines. I am seeking relief of {$10000.00} under the HAFA program to assist me with the moving expenses of my XXXX children, my belongings, and finding another residence.
Product: Credit card or prepaid card

CFPB : I reported this back then, and it was not even satisfactorily resolved. Again, I'm filing a new complaint in relation to my credit card account. The merchant used my credit card in XX/XX/XXXX after the fact that I had instructed the merchant not to use my credit card for any further charges in XX/XX/XXXX because the countertop got damaged, which the merchant couldn't remedy. I put that instruction in writing. After I saw the pending charges, I promptly notified Chase to stop the pending charges from going through. However, Chase was unable to stop and recover the money. Now, Chase is placing the responsibility on me to pay even though the charge was unauthorized. UNACCEPTABLE!
Product: Debt collection

I owed XXXX a credit card debt that has been charged off in XX/XX/2015 and a debt collection company UNIFUND CCR LLC has taken over debt and has filed in court a case to collect debt, which the original debt belonged to XXXX and now there trying to sue me I think thats not right since it was charged off please advise thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

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

While checking my most recent credit report, I noticed credit inquiries that I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature., I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX XXXX 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: Consumer Loan

Dear Sir ( s ), I had a car through wells fargo and was paying the loan. I got unemployed. They repossed my car after 3 months. I went to XXXX XXXX to get it from the auction. I was back in there grace. I got in a car accident and had medical bills. This time they ask is the car repaired the auto insurance ( full coverage XXXX ) repaired it good as new. Then they said sorry have to talk to the repo department no answer. Reposed the car after fully fix. XXXX stuck me with a bill of XXXX. Without consultation. Filed complaint with credit bureaus they just put customer disagrees. But car had less than a XXXX left on pay off? So they just took the creditors word didnt investigate. Did't check worth of car after full repair etc. And stuck me with a bill. As usual just side with who they work for credit companies instead of at least compiling proof of damages or allowing me to see such. So thay turned a great profit resold the car got someone else a new payoff on a fully fix up car and charge me.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 

XXXX XXXX : XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Capital One has wrongfully reported credit bureau information. Despite numerous telephone calls they refuse to fix this problem.