23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX  XXXX XXXX XXXX XXXX XXXX {$24000.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$13000.00} 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 written instructions. Discrepancy with the ( amount being reported ), ( dates being reported ), ( Item Numbers being reported ), and ( Item descriptions being reported ).
Product: Credit card or prepaid card

FOR AT LEAST THE LAST 3 MONTHES I HAVE NOT BEEN ABLE TO ACCESS MY ON LINE STATEMENTS. I HAVE NO IDEA HOW MUCH INTEREST I AM BEING CHARGED, BUT I DO KNOW THAT {$20.00} FROM {$100.00} 0N A 2241.?? BALANCE IS NOT REASONABLE. I TRIED ONLINE CHAT AND TELEPHONE. IALL I GOT FROM THAT WAS FRUSTRATION. I HOPE THAT HELPS ME TO GET HELP.
Product: Debt collection

In XXXX of 2020, I was made aware of a debt collection on my credit score. I sent a certified letter, sent via USPS, to ARS Account Solutions asking for them to verify this debt that I supposedly owe. I sent this letter on XX/XX/2020. They refuse to validate this debt and say that I owe a large amount of money without allowing me to authenticate this debt.
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Transunion is reporting this information. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in XXXX Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. Transunion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC so 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

Subsequent to contacting each I f the complanies who have pulled a hard credit report and sending a copy of ny ploice report they refuse to remove hard iquires. 

Request you romove hard inquiries as i did not authorize them and i am a vitem of identity theft. This my third request Additionally i only lived at XXXX aadress XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove all other addresses. 
Pleas corect my name to XXXX XXXX I HAVE NO OTHER NAMES PLEASE REMOVE ANY OTHERS REMOVE THESE HARD IQUIRES listed on report # XXXX of XXXX XX/XX/XXXX as they are id theft ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been victim of identity theft. My personal information has been used to obtain goods and services. i contacted XXXX and told them tht this inquirires are fradlent and provided prood, even though they told me that this inquiries were verified Please dispute and remove this fradulent inquirires from my credit report. XXXX XXXX  XX/XX/year> XXXX
Product: Student loan

Since the origination of this combined, consolidated student loan ( around XX/XX/XXXX ), I have paid almost ( or actually more than ) the entire original principal amount ( roughly {$50000.00} ). However, because of multiple problems and terrible financial circumstances I've had to navigate, including split up and divorce ( XX/XX/XXXX-XX/XX/XXXX), multiple financial crises affecting my wages and ability to pay ( XX/XX/XXXX crisis affecting my telecom employer, XX/XX/XXXX mortgage crisis, lost employment for 16 months after XX/XX/XXXX, two bankruptcies under Chapter XXXX, multiple foreclosure threats, etc ), I have only been able to manage sporadic payment while trying to make other ends meet. Consequently, AES and its collection agents have applied the strictest, sharpest terms they can use in the loan contracts not only to NOT credit the payments in any way that reduces the debt, but in fact have taken those payments ( exceeding {$50000.00} ) AND doubled the amount now claimed to over {$100000.00}. This means, they are demanding -- with the meter continually running -- triple the original principal ( what's been paid PLUS another double the original amount ). I have been writing, calling, and begging AES/PHEAA and its collection agents to help me make progress, including making an equitable adjustment to the claimed amount. They haven't budged -- ever. I have no resources to continue wrestling with AES/PHEAA. My letter writing to them has meant nothing, regardless of the fact that I sent another near {$10000.00} over the past roughly 16 months to establish good faith toward loan rehabilitation. Still, they haven't budged. They claim that we ( my ex-wife and I ) have failed to show " need '' at a level that would result in a rehabilitated loan without me having to pay over $ 2000/month ( i.e., the average {$700.00} I'd been sending for many months PLUS another $ 1000+ ). They're unsympathetic to the fact that my income, which would certainly warrant a vastly reduced rehabilitation payment, is all that I can use to pay -- the divorce decree requires me to pay the amount and, thus, even if my ex-wife 's resources ( we're both federal government employees with not other employment income ) were applied, I'd still have to pay the monthly rehabilitation payment, which I can not afford. AES/PHEAA, thus, stands by waiting for me to collapse, at which point, presumably, they'll go after my ex-wife who, in turn, will sue me into court per the divorce decree and I would then start all over asking the Judge to help me get fairness. Please help me. Please apply equitable and other consumer protection pressure to cause AES/PHEAA to give me an equitable adjustment to their claim, and a monthly payment I can reasonably afford that puts a final resolution of this debt on the horizon. I'm XXXX years old, recently lost both of my parents, have XXXX young children still being raised. I'm not able to win this fight without help and without fairness. Hopefully, your platform allows me to copy you on some of the correspondence so you have an adequate record to understand what is being sought. I pray you will help.
Product: Credit reporting

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

Under 15 U.S. Code 1679c, this collection was opened XXXX XXXX The credit bureau must remove accurate, negative information from your report only if it is over 7 years old.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was trying to purchase concert tickets and was scammed on XXXX by someone that said they would send me the concert tickets after I sent them half of the money ( {$45.00} ) as a safety measure. Once I sent them the money, they blocked me completely and I was unable to communicate with them further. The money transfer was initiated through XXXX which is a service my bank Wells Fargo offers. I have tried to contact my bank as well as XXXX and they stated to me that they filed a claim and I would hear something back within 5-7 days. This was on XXXX the XXXX. It is now XX/XX/XXXX and I tried contacting Wells Fargo with a claim number that I received and had to speak with 8 different departments before I was told nothing further could be done and they did not know what department I needed to speak to. The claim number that was given to me was XXXX.
Product: Credit card

About two weeks ago I merely started an online application with First Progress, a XXXX secured credit card company. I did not finish the application. I did not make a deposit. I did not fund a secured card. I did not open an account. I did not receive a credit card in the mail. Yet I found out that First Progress intends to send the private and personal information in the application I did not finish to the credit reporting agencies. This is a breach of privacy. Especially since I did not finish the application, did not make a deposit, did not fund a secured card, did not open an account and did not receive a First Progress secured credit card in the mail. When I finally managed to find an actual working phone number for First Progress I explained the situation and I was told that they will forward my information to " only the XXXX major credit reporting agencies '' anyway. The XXXX time I called I asked for an email address to contact them about a serious privacy issue in writing, and I was told that First Progress does not have a customer service email address but I could have the number to someone else to see if they knew the email address because " they 're, uh, they 're like corporate. '' That number turned out to be a fax number. I called back, got nowhere and ended by informing them of my decision to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

WESTLAKE FIN XXXX is being reported inaccurately on my report. I contacted westlake financial to advise the about a hardship due to covid 19 and that I would be paying the car off within 2 months ... .They agreed not to report late payments due to this hardship due to the pandemic. and I in part held up my end of the bargain and paid the car off last month. I need them to delete the late payments that they reported as we had an agreement and this was cause by a pandemic. also they are still reporting a balance on my report and have not updated since XX/XX/2020 ... 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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 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

I am filing a compiaint against XXXX for failing to properiy 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, XXXX '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 the account is accurate, without providing any evidence o a inorougn investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked inaccurate, Dept of EducationXXXX 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

One of the accounts reflects a 30 day delinquency and the other account reflects an open account charge off. 
Account 1 : States that the account was open on XXXX Amount : {$450.00} Account 2 : States that this account was paid and closed on XXXX but had a 30-59 days late status on the account. 
XXXX XXXX has falsely reported these accounts on my credit report without giving me the requested proof of the account and signed contracts. 

*** I have communicated through attorneys to resolve this matter and XXXX XXXX  has refused to comply and show account information and signed contracts. ***
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXXXXXX XXXX  ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I recently learned it was inaccurate installment loan on my credit report with late payments so I reach out to Experian XXXX XXXX they are still not verifying
Product: Debt collection

I keep getting repeated calls from different numbers because I keep blocking their number everytime they call me so they just keep calling from different numbers multiple times a day. The company is AMERICOLLECT. Theres more times that AMERICOLLECT has called me but my call log doesnt have it they were calling multiple times a day and week
Product: Checking or savings account

In XX/XX/2021, Capital One Bank denied the NYS Department of Taxation the right to withdrawal my quarterly sales tax payment resulting in a {$2300.00} fine for late payment. The bank had accepted fault and had launched an investigation which is still ongoing a full calendar year later. Every time I reach out to find out the status of the investigation, I am told that no new news is available and they are still working.
Product: Credit card or prepaid card

I have been a 20 plus year customer, in good standing, with American Express. I have found that I am not being credited with reward points as indicated the credit card agreement on an annual fee based credit card. I have repeatedly tried to resolve this issue with American Express customer service to no avail. I believe this is a fraudulent practice to charge me for a card and not provide the promised benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I begin disputes with Equifax XX/XX/XXXX I received an email that the disputes were complete. 
Impossible to see them online ( their system was down ) I spoke with a representative who could not confirm my identity even though I gave her multiple correct answers. 
I spoke with a supervisor who also could not confirm my identity even though i was reading off my credit card statements the answers she was looking for. 

The only way they will mail me my dispute information was to send them 2 forms of identification through fax or mail which I will not do. 

XXXX & XXXX  were easy to deal with and resolved my disputes correctly within days. Equifax is a complete joke of a company. I can not believe they are trusted with this kind of sensitive information. Why were they not put out of business after the breach? It's clear this is not a well run organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I looked at my credit report due to my bank account had a fraudulent check that was trying to be posted. Upon review I noticed that there were recent hard inquiries that were applied to my credit report that I did not recognize. Dates are as Follow. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all inquiries not attached to a live account for the date XX/XX/XXXX, and the fraudulent attempts was reposted by all 3 credit Bureau XXXX XXXX, XXXX, and XXXX ). I show XXXX has 11fraudulent reports, XXXX has XXXX, and XXXX XXXX. I SPOKE WITH the companies about the inquiries and was advised there was nothing they could do. I would have to Dispute the changes to my credit with the XXXX XXXX. I now and in the future will only accept live inquiries posted to my credit report. I have always declined any services that would not follow the state Bank terms & conditions regarding the double-dipping policies.
Product: Debt collection

On XX/XX/2020 I moved from my apartment complex which was managed by XXXX XXXX at that time. I went in to the rental office on XX/XX/2020 to settle the bill. At that time I was told that I would receive the final statement at the end of the month. During that time the property changed management and my bill was sent to collections. In the state of Texas, before you can be sent to a collections agency the creditor has to give you 21 days to make the payment ; however, after speaking with XXXX XXXX, Account Representative at IQ Data, he reported that my account was sent to their agency in XXXX which was prior to the statue. I.Q data recovery has reached out to me on several occasions and each time I simply ask for the final statement from the apartment complex. They REFUSE to send the the statement. They demand that I make a promise to pay before they will review the statement. The last time they called me they agreed that they would send me the statement ; however they instead sent a letter of debt. Per my legal right I replied to the letter with in 30 days of receipt again asking them to send me a statement. This letter was sent to the XXXX XXXX XXXX XXXX, WA XXXX through certified mail ; therefore I have receipt of delivery. 

Today, when the representative from I.Q Data XXXX XXXX XXXX called me he told me that I was just trying to avoid paying my bill. Again, I asked if he would send the final statement. He refused to provide this information without me agreeing to make a payment. I asked him what happens if I want to dispute something, to which he responded that they would remove the charge, but then said I needed to pay the full amount and dispute it with the property. Again, I asked if he was legally refusing to send me a statement. He begin to talk in circles. I told him to reply with a " yes or a no ''. He raised his tone as boasted " yes '' I am refusing to send the statement. He went a step further to say that they were going to escalate my account and make it as refusal to pay. 

In the midst of a pandemic it is unfortunate that companies such as IQ Data are practicing predatorial collections tactics to create fear in working people, especially those who are making efforts to may any validated debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions.