23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX and I am a living woman making this complaint without any influence from any third party or its agency. I was contacted by US mail from XXXX XXXX XXXX XXXX ( XXXX ) on XXXX XXXX demanding payment for an alleged debt that is not owed and in active dispute/arbitration. I did not consent to a signed binding contract with XXXX nor agreed to pay them. XXXX having my personal identifying information was obtain by way of aggravated identity theft. XXXX is violating my federally protected rights under FDCPA, FTC and the United States Code/Statue. I have reason to believed that XXXX is engaging in unlawful extortionate means theft by deception by knowingly/willfully furnishing to me false and deceptive documents. I also have reason to believe that XXXX is also in violations of the false claims act and is engaging in racketeering activity by attempting to collect on extension of credit by extortionate means. XXXX contacting me in my private capacity without first validating if their claim is indeed true and accurate to demand payment from me has caused me severe mental and emotional distress. Please review my attached correspondence and documents addressed to XXXX.
Product: Credit card or prepaid card

Navy Federal Credit Union has removed and blocked my access to the closed credit card in my name. They have blocked/removed my access to see statements and transactions, regardless of the balance due, and refuse to provide access to statements in order to use them as proof of unauthorized activity or to dispute charges. All statements prior to XX/XX/2021 are deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the misleading information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. I feel like I'm being taken advantage of and ignored. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please DELETE the accounts below : XXXX XXXX, XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists Collection Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 # ( XXXX ) 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: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : Conserve DATE OPENED : XX/XX/XXXXXXXX  ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XX/XX/XXXXXXXX  ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXXXXXX  These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am puzzled why these accounts show up on my credit report out of nowhere..It must be that someone use my identity..The account XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  # XXXX XXXX ) XXXX was fraudulently opened in my name..I did not make the charges..I am requesting that the item be blocked to correct my credit report ...
Product: Mortgage

I work for XXXX XXXX XXXX XXXX and I do process loan with wholesale lenders. I submitted several loans to XXXX ( XXXX XXXX XXXX ) and got paid {$790.00} processing fee which I normally charge. In XX/XX/2018 I submitted a loan to XXXX and I disclosed the processing fee of {$790.00} as I normally do however they went through with the file up until the loan documents gets sent to the escrow company when they said that they won't be able to pay me the processing fee of {$790.00}. When I mentioned that I processed loan previously with you and I got the processing fee paid, they mentioned that they were out of compliance and now they won't be able to pay anymore. I worked 30 days to process a loan without being paid. XXXX had a chance to let me know that they won't be able to pay me the processing fee upfront when I submitted the loan and if they were out of compliance before and now they are in compliance, they should of sent an email or notification stating that they'll no more pay processing fee for processors working for the Broker.
Product: Debt collection

I have two companies contacting me at the same trying to collect on the same debt. One company send multiple emails and another company mailed my confidential financial information addressed to my boyfriend.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX TransUnion, XXXX Verified information on my credit report to be accurate. According to my Credit Report from XXXX I have attached my documents showing that TransUnion 2-YEAR PAYMENT HISTORY was never reported but also claims the Last Updated was XX/XX/XXXX as well which shows no such dates. How is it that TransUnion can report a 2yr payment history when it clearly states it was never reported. This is false reporting and damaging to my credit history and credit worthiness. According to the OLDER DEROGATORY EVENTS nothing has been reported for the past 2yrs. XXXX Balance, Delinquency, Payment Status, Closed Date, Last Activity, Terms, High Balance doesn't match TransUnion, XXXX. Both TransUnion and XXXX are both reporting inaccurate information but claims to be Verified. As you can see, all three entries are different with XXXX, XXXX, and Transunion. If the reporting information is accurate, how can all three bureaus have different information and even different filing dates? Under FCRA 609. Disclosures to consumers [ 15 U.S.C.

1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information.

Further, Under FCRA 607. Compliance procedures [ 15 U.S.C. 1681g ], ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 611. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX XXXX XXXX Balance : {$38000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i the consumer sent Experian a debt validation letter certified mail pursuant to 15 usc 1692g they received XXXX. in regards to inaccurate accounts reported by merchants and medical and XXXX XXXX XXXX who i also sent debt validations to certified mail. inaccurate inquires from companies i have no business with. Also the personal information listed on this consumer report without my written consent pursuant to 15 usc 1681c-2, This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate.
Product: Credit card or prepaid card

Re : Bank of America. 
I went through financial hardship summer of 2020 I was late on payments but I never went a month without paying. BOA reached out to me and I told them what was happening that I was having financial hardship. I was told they would deferred my payments for 3 months and that I didnt have to make a payment until XX/XX/2020 I asked the representative are you sure and she said yes. Three months I saw that BOA went on my credit score I called BOA and they said that they sent out an email to me stating that I should make payment which the representative said it was the interest charge. I told her that I always get emails but I dont necessarily read them. I am now paying a high interest rate and my credit score is beyond messed up. Can someone please help me.
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 XXXX 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

I am trying to verify your identity and correct inaccuracies on my Experian credit report, but I can not reach a live person through their automated system as I am currently living in XXXX. Their automated system prevents me from disputing fraudulent information or placing a security freeze.
Product: Vehicle loan or lease

My name is XXXX XXXX, phone number is XXXX, email XXXX. 
I am reaching out regarding my auto loan with TD Auto Finance. Back in XX/XX/2021 I made 2 payments to my auto loan, one for the month on XXXX which was late with total of {$520.00} & then one for the month of XXXX on time with total of {$500.00}. Somehow my bank account was charged twice for the XXXX payment of {$520.00} so they refunded me for the one of the charges. However there was some sort of hole or mishap between my bank and the finance company as it caused my account to be shown as not current showing that I made no payment for one of the months. When they contacted me I sent in documents of my bank account showing proof of my payments 3 times and Ive been going back and forth with my finance company for 3 months now. I then got sick with XXXX and was unable to make my payment for the month of XXXX & when i contacted them to get assistance or extension they were very rude and not helpful considering my account is showing as behind already, and they told me to either refinance or they will repossess my vehicle.. So now my account is showing as behind 3 months. I am in a very financial hardship and just need help with either doing a payment plan with them or getting assistance with me loan. I can not afford to pay the full amount due right now and I am still working on paying my other bills as well. I have no way of figuring this out. I tried ro refinance my vehicle but a down payment of {$2300.00} was required due to the negative equity on the vehicle. I am hoping you guys can help me with this please!! Thank you.
Product: Debt collection

A few months back I was working on my credit report and saw I had a collection from a company called Sezzel. I have never been affiliated with this company or had any knowledge of this account. At the time it was XXXX $ on a XXXX credit limit. After trying to dispute it the amount went from XXXX to XXXX and the credit limit dropped to {$150.00}. I only knew this information from my credit report. After numerous calls and no answers I was able to get sezzel to locate my account and was told it was sent to collections at XXXX XXXX. I followed up with XXXX XXXX to be told they have no record of any account in my name. After reaching out back to the credit bureau I was able to get a email back from sezzel saying they can not verify any of the information linking me to this account or able to provide proof of debt. I had even considered doing a pay to delete since the amount was so low but thats not even an option according to them. Please look into this its the only negative item on my credit and have been giving the run around for months now thank you
Product: Credit card

paid for {>= $1,000,000} identity theft protection from XXXX, XXXX- XXXX, XXXX from Discover Card, on both my Discover It cards. Discover failed to activate/pursue party responsible for my stolen identity, although I stated my identity had been stolen to at least several hundred Discover employees. My identity theft is still ongoing, nearly a year and a half later, on every account, with every company. I spoke with them in XXXX, XXXX and they stated that because I canceled the identity theft protection coverage after six months, and my accounts are now probationary, they refuse to honor their contract.
Product: Checking or savings account

On XX/XX/XXXX, after completing some work for a company, I was paid money via XXXX to Sofi Bank. However, the transaction didn't show up on my end at all. The amount was a couple XXXX dollars, a very large amount for me, and it was incredibly disturbing for all of the money to disappear. 

I immediately called customer support the following day ( as it was XXXX ) only for them to state they have no record of the transaction on their end. 

I then get a call on the XXXX, from their security department, asking to verify my identity and mentioning this XXXX payment. I verified my drivers ' license with them. They then ask me some " investigative '' questions about the transaction, which is absurd! They ask for contact information for the sender, which I decline as I disagreed with their process. How can they withhold my money and investigate me after it was fairly paid to me? I ask further questions and they state that they can't tell me anything. Additionally, they knew about the transactions whole time and withheld/blocked it! 

On the XXXX, today, they temporarily restrict my bank account, preventing me from accessing all of my funds, after I verified my identity. This is on a weekend, so no one is working through their cases, without giving me any XXXX for their " investigation ''. I call them, and they once again ask me the same investigative questions and refuse to provide information. 

How can they legally withhold my money like this? Not only the original transaction, but all of my funding? Imagine I have to pay a bill and this is my only source. Completely absurd, XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy on my report that doesnt belong to me please remove. It has bee removed from all other bureaus but you constantly report monthly please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

I want this dept removed. The insurance paid this debt. The situation is as the insurance initially denied the claim and then later processed the claim and it was paid in full. The EOB shows the company XXXX XXXX was paid and shows my portion which had previously been paid. 
I XXXX refuses to remove this negative collection from my account even though I have provided proof the company was paid.
Product: Debt collection

Discovered through collections agencies attempting to collect a debt I have no knowledge of & via credit reports that my identity has been compromised. I have since request validation of debt & filed an identity theft report to the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX XXXX* Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$790.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX*** Balance : {$1500.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

CAPITAL ONE XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

CAP1/XXXX XXXX Balance : {$710.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.