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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this accounts ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX XXXX XXXX Balance : {$7700.00}.
Product: Debt collection

I noticed Ive been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ), by RENT RECOVERY SOLUTIONS in connection with the collection of an alleged debt. There is evidence of the use of abusive, deceptive, and unfair debt collection practices. I would like for this account to be removed from account Pursuant to USC 1692c. ( c ) I am notify you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of illegal communication with me through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as consumer, and the original creditor I am demanding all of the following. 
I refuse to pay this debt. 
Send and XXXX XXXX pursuant to 5 USC 552a ( d ) including all documents, including but not limited, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else to the Consumer for review and validation ; XXXX out the balance on this account and DELETE all accounts held by debt collector from all consumer reporting agencies. 
Remove all remarks and comments off all consumer reports ; Cease communication and use of my intellectual property. Unless it pertains the validation of the alleged debt or remedy for violations that occurred. Any furthers communication with the consumer must be in writing, delivered via mail to the mailing location above. 
Again, this is a notice pursuant to FDCPA ( Fair Debt Collection Practices Act ), Failure to honor demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall. 
a. ) Be taken as tacit agreement to the claims set forth, b. ) Grant the Consumer all demanded remedies, and c. ) May result in litigation ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ) Assignees who are debt collectors are responsible for the actions of those collecting on their behalf, citing Pollice, 225 F.3d at 404-05. ) Regards,
Product: Credit card or prepaid card

XX/XX/2019 XXXX XXXX XXXX  i attempted to call sears home improvement services 10 times in regards to my account due balance rising from XXXX to 7,000 something dollars within a one month span. 

Sears home improvement services contined to hang up on me after retrieving all of my personal information. 

Our contract was for my windows to be replaced at the cost of XXXX. I was untable to make contact with any sears employee willing to help me find out why the amount was so high. 

XX/XX/2019 i was charged a fraudelent amount of XXXX in Which was never agreed upon.
Product: Checking or savings account

Account was closed without notice was denied information about account closure. Tried to go to bank and ask why my account was closed and if I could get access to remaining balance in my account was told no. No prior fradualent activity just told thag the bank has decided to sever relationship.
Product: Debt collection

Diversified Consultants apparently placed a bad debt in the amount of {$660.00} on my account for a XXXX XXXX balance. The initial report ( on my XXXX report ) shows XX/XX/XXXX, and they have reported the debt again as a negative item this month, XX/XX/XXXX. I have n't had a XXXX XXXX account since XX/XX/XXXX. I have had no recent account with them. The balance that was owed from XX/XX/XXXX was included in my Ch. XXXX bankruptcy filed in XX/XX/XXXX. I suspect that what Diversified Consultants and XXXX XXXX XXXX ( the original holder of the debt ) is attempting to do is illegal, and I 'm tempted to contact an attorney regarding the matter.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$260.00} XXXX  XXXX Balance : {$0.00} ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance {$210.00}
Product: Credit reporting

On XXXX/XXXX/2015 I faxed Trans Union a dispute letter of a Federal Tax Lien that they are reporting against me. With that dispute I showed them a letter from the IRS that said the lien was withdrawn. That means it does n't exist anymore. On XXXX XXXX, 2015 I received a letter from Trans Union saying " verified, no change ''. It 's obvious to me that no resonable investigation was made as the facts are CLEAR. This lien has been withdrawn by the IRS and needs to be removed immediately from my credit report.
Product: Mortgage

I was having trouble with my loan payments so I decided to file a loan modification. During this process I was informed that I wouldnt be responsible for being reported late to the credit bureaus. Well after the process was done they still decided to report me 90 days late on my credit report. I am not trying to get this loan paid off and get a new home and I am unable to because this loan is showing late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX XXXX  has been in Violation of the FCRA section 605B. As a victim of fraud and identity theft noted on sending my FTC report and police report from XXXX XXXX PD not to mention that my information was completely compromised during the XXXX Equifax Security Breach. Not to mention that my previous roommate used a XXXX Business Card Fraudulently upon reviewing my credit report and countless times of sending the same information from the FTC, Letters with detailed information pertaining to the fraudulent information reporting on my XXXX  and Equifax Credit Reports. They removed the incorrect information and then they report that same information again and refuse to comply with the FTC documents that states I have been a fraud breach and Identity Theft victim.
Product: Credit card or prepaid card

In XX/XX/XXXX I certified mailed a dispute letter to Capital One Bank to dispute accounts that were showing up on my credit report. I have attached my initial letter, the copies of the signature card information from where their company had signed for my letter dictating all that I was disputing, and began the clock of 30 days to place disputed remarks of my dispute on my credit reports. There are many violations that I will be submitting in a court of law, as well as laws that the company broke in not upholding the standards set before them from the FCRA, and the FDCPA. I have pulled my credit from all 3 credit bureaus and have attached the proof for you to examine that the credit reports are time stamped 31 days after they signed for my letters, and one of the major violations they totally neglected to do is mark my accounts as disputed on my reports and/ respond with court approved documentation within the time frame with verifyible documents that would hold up in court that the debt was in fact my debt. I demand that they remove the debt reporting to my credit report immediately, and that you as well as the attorneys general offices, and XXXX hold them accountable for the noncompliance of these said violations and laws that have been broken. I want them removed, and it is my rights. My letter clearly explained what I would do if they did not respond accordingly. I have a well documented case and have all intentions of taking care of it legally if they do not comply.
Product: Credit reporting or other personal consumer reports

As a customer, I provided my data in good faith, and unfortunately, this breach compromised that trust.My personal information to this company, trusting that they would protect it. Unfortunately, their systems were breached, and my data was exposed. This experience has taught me to be more cautious about sharing my information and to ask more questions about how companies protect customer data. Unfortunately this has really shaken my trust.
Product: Debt collection

I CAN NOT CALL ON THE PHONE!! I AM XXXX! SOMETHING IS WAY WRONG WITH MY DISPUTES!!!! WRITE ME AT XXXX AND I WILL TRY TO EXPLAIN!!
Product: Debt collection

Over the last month, we've received 5-8 recorded calls per week from Honda Financial collections. As a business, we have no dealings with them. 

Today, XX/XX/2025, I had my fill. It took about 15 minutes to get to a person. I was told that one of our employees was delinquent. I was further told that we had 6 employees who listed us as their employer on their loan forms. I was told they had a right to call us to help with collection. They would not release the name of the delinquent employee. 

I asked that they stop calling as we are not responsible for any payment. After some argument, I was told that there are different divisions and that they would remove our business number in that division, but that they couldn't guarantee I wouldn't receive additional calls. Nor was they an offer of help to remove our number from the other divisions. 

We've had difficulty blocking them via our XXXX system, I believe we have succeeded with some IT help. We should not have had to go this far.
Product: Debt collection

Received letter from allied interstate on  X/XX/17    for debt of $  XXXX  I  've disputed this debt several years ago.Did n't receive any response until the above referenced date.Never heard of    XXXX   XXXX    or  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$43000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  CO XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding Equifaxs failure to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to remove an unauthorized inquiry from my credit report. Despite my repeated requests, Equifax has not provided verifiable proof of authorization for an inquiry by XXXX XXXX, dated XX/XX/XXXX. This inquiry lacks a permissible purpose under the FCRA, and Equifax 's refusal to remove it is a violation of federal law.I REPORTED THIS CASE TO THE FTC THROUGH REPORT NUMBER XXXX, DATE XX/XX/XXXX 1. Initial Request to Equifax : I requested proof of authorization, such as a signed document, to verify this inquiry. Since no proof of my authorization exists, I requested immediate removal. 
2. Complaint to the CFPB ( Report # XXXX ) : Due to Equifaxs lack of response, I filed a complaint with the CFPB on XX/XX/XXXX. 
3. Equifaxs Response to the CFPB : On XX/XX/XXXX, Equifax responded, stating that inquiries are factual records that must remain on file for two years. However, they failed to provide specific proof of authorization for this inquiry. 
Violations of the FCRA by Equifax : Under the FCRA, unauthorized and unverifiable inquiries must be removed. Specifically : Section 604 ( 15 U.S. Code 1681b ) : Requires a permissible purpose for accessing a consumers report. Equifaxs inability to provide proof of authorization violates this requirement. 
Section 611 ( 15 U.S. Code 1681i ) : Mandates the removal of unverifiable information upon dispute, which Equifax has failed to comply with by not validating the inquiry. 
Section 609 ( 15 U.S. Code 1681g ( a ) ( 1 ) ) : Requires that a consumer be provided with verifiable proof of authorization upon request, which Equifax has not provided. 
Given Equifax 's lack of compliance, I demand either verifiable proof ( a signed contract ) authorizing this inquiry or its immediate deletion. Failure to resolve this matter within 30 days will result in escalation to appropriate legal channels to ensure accuracy in my credit report. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Wells Fargo stated that they were unable to fulfill the request to include the four-digit zip code for creditors with po box addresses. The United States Postal Service mandates this information for accurate and prompt mail delivery, particularly for bill payments. I am now faced with the options of either writing checks and mailing payments to my creditors or authorizing direct fund withdrawals from my account. Neither of these options align with my preferred method, as I have historically managed my accounts by utilizing online bill payments through my checking account. 
This situation necessitates that I either incur extra expenses for stamps and envelopes to mail my payments or opt to allow direct access to my account for bill payments, both of which are not in line with my preferred method of managing my accounts through online bill payments via my checking account.
Product: Debt collection

I was divorced 12 years ago here in New Jersey. I paid off all I owed back then. Since then I have remarried and have had no credit at all until about 3 years ago. My credit is XXXX and that is with XXXX loans for my sons school payment and orthodontics. These large loan amounts owed is the only thing keeping my credit from being in the XXXX 's. I do not owe these people, XXXX, nor have I owed anyone once I divorced and paid off all my amounts due. They are clearly mistaken. I am XXXX and have XXXX. If necessary I will seek legal counsel and that will hurt my retired wife and I severely.
Product: Vehicle loan or lease

This Rescission notice is made Pursuant to 15 U.S. Code 1635 ( a ), as I was never told I had 3 days to rescind the agreement. Neither was I given the notice that comes along with all consumer credit transactions. J.D. Byrider failed to clearly & conspicuously disclose all my rights as a consumer including but not limited to my right of rescission.

I participated in a consumer credit and not a loan ; Pursuant t

o 15 U.S. Code 1602 ( i ). Take further notice that Pursuant to 15 U.S. Code 1605, the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, which was never disclosed to me b
y your organization in direct violation of this law.

J.D. Byrider also accepted a CASH down payment of {$200.00} violating 15 U.S. Code 1605 which clearly states : The finance charge does not include charges of a type of payable in a comparable transaction.

Pursuant to 15 U.S. Code 1611 ( 1 ) ( 3 ) ; one can be fined up to {$5000.00} or face imprisonment for up to one year, or both, for giving false or inaccurate information or fails to provide information which he is required to disclose. In this case you, J.D. Byrider, willfully violated this law when you failed to disclose and provide all information clearly to me as a consumer.
Product: Credit card or prepaid card

Happy Monday Team! I was shocked when I reviewed my credit report Today and found a late payment this month XX/XX/2020 for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft and a victim of the Equifax Data Breach. I have noticed some unauthorized accounts on my credit report that I have not benefited from. Also, I have oldstudent loans still showing up, even those that I have made payment arrangements with, that are hurting my scores tremendously. I need these NEGATIVE AND FRAUDULENT accounts removed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

This is a reoccurring problem with this company. My monthly mortgage payment is {$1100.00}. I wrote a check for {$3100.00} and submitted it with the payment stub supplied by the XXXX Mortgage company. The payment stub listed the regular payment of {$1100.00} AND " additional principal '' of {$2000.00}. They received this payment on XX/XX/XXXX for the XXXX XXXX payment. On their site I observed XXXX entries in reference to this transaction. They apparently applied my payment to the month of XXXX and XXXX. In the end, it was not only applied contrary to the payment stub but there is also {$100.00} missing. I can't tell what they did so I called their customer service line and spoke to " XXXX '' on XX/XX/XXXX at XXXX. XXXX tried to tell me they can't tell where I intended to payment to go so they applied it like that. I told him several times that I filled out their payment stub and sent it registered mail. He then laughed and said I don't think we have those. He said he would forward my complaint to " CASH '' and the call was terminated. On XX/XX/XXXX at XXXX I again called customer service because the error had not been corrected. I spoke to " XXXX '' and explained the entire problem again. She told me nothing had been done in reference to my call on XX/XX/XXXX. I had to explain the problem to her several times. She said she would forward my complaint to " CASH '' and would call me back. On XX/XX/XXXX I observed on the XXXX MORTGAGE website that the payment was still recorded the same with the same {$100.00} missing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting this creditor has violated my rights under XXXX5us1681 section 602 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose
Product: Credit reporting or other personal consumer reports

I am a consumer as defined under the Fair Credit Reporting Act ( " FCRA '' ) and the Fair Debt Collection Practices Act ( " FDCPA '' ). 
The companies violated my rights. 
XXXXXXXX XXXX - XXXX # XXXX XXXX XXXX -ACC # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

I discovered that TransUnion, XXXX, XXXX, and XXXX has reported an account in collections on my consumer credit report. This account is inaccurately reflected and constitutes a violation of my rights under federal law. 

Violations of Federal Law : TransUnion is in violation of 15 U.S. Code 1681c ( a ) ( 2 ) ( A ), which states that the inclusion of adverse items of information more than seven years old in a consumer report is prohibited. The collection in question has exceeded this statutory limit.

Additionally, under 15 U.S. Code 1666 ( b ) ( a ), which governs billing errors, it is required that creditors and their reporting agents, such as credit bureaus, properly handle disputes regarding erroneous charges and ensure accurate reflection of account statuses. TransUnion, XXXX, and XXXX, failed to comply with this requirement. 
Furthermore, 15 U.S. Code 1692c ( c ) prohibits continued reporting or communication regarding a disputed debt without proper verification. The collection account was reported without proper validation of the debt. 

I hereby demand that TransUnion, XXXX, and XXXX immediately remove the illegal collection accounts from my consumer credit report in full compliance with the aforementioned legal statutes. 
I further request a written statement confirming the removal of this erroneous collection from my credit report and an updated credit report reflecting the corrected information. 
Failure to remove this account will result in further legal action to protect my rights under the FCRA and FDCPA.
Product: Student loan

I applied via student loans.gov in mid XX/XX/XXXX for the REPAYE income based repayment plan after the Biden administration said to do so to automatically be added to the SAVe repayment plan in XXXX. My loan servicer Mohela approved this request in XXXX. Randomly in early XX/XX/XXXX the new IDR status was issued as denied and I received no reason or clarification, only a letter that my repayment terms were changed to the Level repayment plan- which would require me to pay my entire rent every month?! Ive submitted new requests including my XXXX tax return ( even though the administration says I dont need to do submit documentation to certify income ) but have heard nothing. This is absurd.