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

In accordance with the fair Credit reporting Act XXXX  account 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 $ XXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX $ XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX $ XXXX 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 $ XXXX XXXX XXXX XXXX. 
Have violated my rights. 15 usc 1681 section 602.8 states I have the right to privacy. 15 usc 1681 section 604a section 2 also states a consumer reporting agency can not furnish my account without my written instructions.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. Specifically, regarding the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The company has acknowledged this error and has committed to remove the accounts. Other credit bureaus have already removed the accounts after the company recognized the inaccuracy of the accounts. 

I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within XXXX days. Therefore, I expect to receive your response within this time-frame.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts Account name- XXXX XXXX XXXX Account number- XXXX - Account name- XXXX XXXX XXXX Account number- XXXX - Account name- Account name Account number- XXXX - Account name- XXXX XXXX XXXX Account number- XXXX  - Account name- XXXX XXXX XXXX Account number- XXXX - Account XXXX - XXXX XXXX XXXX Account number- XXXX - Account name- XXXX XXXX XXXX Account number- XXXX
Product: Credit reporting or other personal consumer reports

I was not late on my XXXX payments during the months of XXXX and XXXX of XXXX. There was an error in my banks bill payer during XXXX of XXXX.
Product: Debt collection

Ive never had a XXXX. This is do to identity theft which i have been fighting and correcting over the past years. The amount is $ XXXX which is a phone bill ive never had me in life with XXXX which who i have.
Product: Student loan

In XX/XX/2018 ; my loan amount exceeded XXXX citing an interest rate increase from XXXX a month to XXXX. Each time I spoke with a representative there was a different reason and what they could do to help. In XX/XX/2018 I uploaded tax forms, check stubs and application. The documents were never reviewed by Navient. They would not negotiate a lower payment with documentation that I could not afford the payment and would not hear what I could pay. I was threatened with garnishment and loss of teacher certificate unless I did a forbearance. Thiss loan has ballooned to XXXX. As a math teacher this is a pure SCAM. I will never pay this loan off ; they will not take partial payments. I get no mail until I request and every representative has a different script. Presently they are asking for XXXX per month. My take home monthly pay is XXXX. I can not pay any bills with this payment yet I keep trying to work things out. Presently, Ive asked for a different loan. They have each of these loans listed as 13 separate loans. Some as low as XXXX and reporting it to the credit bureaus as 13 separate loans. I try to give them a number I know I can afford and pay ( XXXX a month ) and they still wont take it ; however if I lose my certificate and my job they wont get anything. Im frustrated. I am hoping the documents I send today will show that I can not afford such balloon payments and the only option they offered was IBR yet I am eligible for a lower % age payment. Please help! 
Drowning in Georgia
Product: Credit card or prepaid card

I charged a bed to my account and the bed was put up and defective the bed bottom is no longer intact and it would require building a new platform for the bed. This is the second defective item purchased from this company. We called the furniture customer service several times and have been on hold many times and finally was told the bed would be picked up that the arranges for a truck to pick up the bed because we paid to have the bed put together. The company never picked up the bed and I still have the defective bed that mattress can't be layed in because of the poor craftmenship of the bed. I also tried to dispute a charge made at a drug store for XXXX and that wasn't resolved either. This is costing me extra interest and money. I have to take the company to small claims to recoup my funds.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statements to me 21 days before the due date. They have failed to send the proof for which I have asked. Experian, XXXX, and XXXX have reported these late payments without verification and without my consent.
Product: Credit reporting or other personal consumer reports

I am disputing this negative reporting on my credit report. The original creditor sold the debt to a collection agency who has been harassing me for payments. I am requesting that a 1099 c form be sent to me since it has been reported on my credit report as a charged off. The original creditor no longer own the debt and I did not enter into contract with Resurgent Capital Services I am requesting that they remove the charge off reporting from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection account labeled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Debt collection

On Tues or Wed XXXX XXXX, I talked to a lady and told her I would call her back on Friday XX/XX/2023 & I wasn't able to do so due to getting sick. However, on that day after she called me from private numbers 2 times in one day and once on Sunday the XXXX of XXXX. I did not talk to her at that time, but I checked my voice mail and it was her leaving a message. I have since logged & received today on XX/XX/XXXX XXXX calls all by XXXX. I have within this past week received over 7 plus calls from One Main Financial which is against the law. They are switching up calling from private numbers and from their XXXX number. The calls/phone numbers/ date & time are kept on my cell phone incoming log.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX FCRA Violation : auto loan not mine {$3300.00} FCRA Violation : credit card not mine XXXX {$460.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX FCRA Violation  : other loan not mine XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute multiple unauthorized accounts appearing on my credit report, which are negatively impacting my credit score. Despite my previous complaints and requests for investigation, these accounts have not been removed or corrected. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611, 605B, and 623, I am entitled to a credit report that is accurate, fair, and reflective of authorized transactions only.

I have reason to believe these accounts were fraudulently opened by a third party without my permission. I did not authorize, open, or use any of these accounts. These inaccuracies continue to harm my credit, despite my repeated efforts to resolve this matter.

Unauthorized Access and Fraud : I believe these accounts were fraudulently opened by someone with unauthorized access to my Social Security number. Under FCRA Section 605B, I request the removal of these accounts based on identity theft.

Inconsistent Account Status : Several accounts show conflicting information, such as being listed as both opened and closed or containing incorrect dates. Under FCRA Section 611 ( a ), which mandates the reinvestigation of disputed information, I request that these inconsistencies be corrected.

Duplicate Account Entries : A duplicate account appears, further harming my credit score. FCRA Section 623 ( a ) ( 5 ) requires furnishers to provide accurate information ; therefore, I request the removal of duplicate entries.

Dispute Resolution Confusion : Some creditor remarks incorrectly indicate a prior dispute was resolved, while the dispute status for those accounts remains account not disputed. This inconsistency violates FCRA Section 623 ( a ) ( 3 ), which mandates that furnishers update disputed information accurately. 

Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I set up a business account with Bank of America. I confirmed that I needed a {$2000.00} balance to avoid fees. I left it for 4 years. When I came back I found that they changed the minimum to {$3000.00} and charged me about {$700.00} in fees. There is no recourse apparently.
Product: Debt collection

Back in XX/XX/XXXX i was sent a letter from a company called " LVNV Funding ''. they were writing to notify me of an old debt that was owed and i needed to pay it or they were going to place the item on my credit report. After some of my own research, I discovered it was a debt that a court awareded to my ex wife over 8 years ago ( the original creditor was XXXX XXXX ). So, i tried to reach the company at the number they provided but with no luck. it appeared to be a bad number because every time i dial it all i got was a fast busy. So, i mailed them a dispute letter ( because you have 30 days to notify the company that you dispute the validity of the debt ). I disputed it under section 809 of the FDCPA. Well, XX/XX/2017 they placed the item on my XXXX credit report. I filed a dispute directly with Transuion citing that per the FCRA rules the date of first delinquency was over 7 years ago and the item should be removed. so they deleted it within two days. I didnt realise they put it on my Equifax report until i checked that report today, So i submitted a dispute directly with XXXX today ( XX/XX/2017 ). I 'm writing because this company appears to not follow FCRA rules or FDCPA law and I feel they should be investigated. Also, another reason they should be investigated is not only did i receive the letter from LVNV Funding, i also got a letter last week from a company called " Resurgent Capital Services '' who claim they manage the account with LVNV Funding. This could and would likely be very confusing for the consumer. Meaning, a consumer may not know that its the same account. Having said that, I submitted two notifications to this company Resurgent advising them that i am still disputing the debt under FDCPA law but also that per FCRA rules they can not report this on my credit report anymore. I have noticed that they appear to get away with the reporting side because they do not include the date of first delinquency to any of the credit bureaus. So if a consumer is not watching their report a company like them will put the items on the credit report and potentially get away with it. hopefully with my writing the CFPB these companies can change their practices and stop trampling on the rights of consumers.
Product: Debt collection

I 've checked my credit report and Jefferson capital have a debt that I have no knowledge of.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX : ACCOUNT : XXXX XXXX XXXX XXXX : ACCOUNT : XXXX XXXX XXXX BANK ACCOUNT : XXXX HAS VIOLATED MY RIGHTS. 


15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting

I have disputed the items listed below a couple of times. What I have asked Equifax to do is to verify the Date of First Delinquency ( DFD ) for each of these creditors. Equifax has not done this. I have recieved nothing to affirm that this information has been verified. How can I verify that they have actually investigated this information rather than rubber stamping. I stopped paying my creditors around XX/XX/XXXX. How is it that these creditors are all reporting the Date of First Delinquency differently If I stopped paying these bills at the SAME TIME? 
-XXXX *reporting XX/XX/XXXX-XXXX *reporting XX/XX/XXXX-XXXX *reporting XX/XX/XXXX-XXXX -The original creditor, XXXX XXXX XXXX has already fallen off because of reporting limitations. *reporting XX/XX/XXXX-XXXX XXXX XXXX XXXX The original creditor, XXXX XXXX has already fallen off because of reporting limitations. *reporting XX/XX/XXXX-XXXX XXXX XXXX Line of Credit *reporting XX/XX/XXXX-XXXX *XX/XX/XXXX ... ..Date opened XX/XX/XXXX ... I never paid on this loan.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of the recent data breach that impacted Equifax and to request the deletion of any accounts related to my personal information, as authorized under 15 U.S.C. 1681c-2 ( a ). According to this statute, I am entitled to request the blocking or deletion of any fraudulent accounts or personal data that has been compromised or misused as a result of the breach. 

The accounts are as follows : XXXX XXXX XXXX
Product: Consumer Loan

In XXXX 1999, I bought a 1999 XXXX XXXX with a loan from XXXX XXXX XXXX, then headquartered in the state of XXXX. I paid off the loan a few years ago, receiving a title of the car a few years ago. Unfortunately, I lost that title, going to apply for a copy of the title last week. However, according to my state 's ( XXXX ) Bureau of Motor Vehicles ( BMV ), the lien on the car was NEVER released by XXXX. Hence, unless I brought that lien-release document, I will not be able to get a copy of my lost car title. Therefore, I XXXX the Internet, finding out that XXXX has been purchased by Capital One Bank, headquartered at XXXX. I called the number indicated, speaking with a man, who, after listening to the reason for my call, transferred me to speak with the Department in charge of handling my case, namely, CUSTOMER SERVICE, and I was provided a menu of items to select. I picked the item, namely, " Car Title, '' being asked to provide my social-security number, as well as my date of birth. After doing so, I heard : " Good-bye, '' nothing coming out of that transferred call. I called the headquarters ' phone number again, and, at that time, a lady answered. After I had told her the reason for my call, she asked me to hold on to be transferred to a Department, namely, RECOVERY, which was different from the one previously indicated by the man, with whom I had earlier spoken. After hearing a menu of items, I picked the one I needed : Car Title. When I heard the same FIRST command, namely, " State your social-security number, '' I immediately hang up, calling the Federal Reserve Consumer Office. The first person I spoke with gave me the ( phone ) number of the Federal Deposit Insurance Corporation ( FDIC ), and I called and spoke with a man, who indicated that the office handles only Lien Releases of banks, not financial institutions, asking me to call the California Secretary of State to resolve my problem. Bypassing that suggestion, I called the Federal Reserve Consumer Office again, this time, being asked to call the CFPB, which, finally, through a male employee, suggested I provide my complaint either via ( 1 ) its completed paperwork ( which would take 10 working days to receive from it and, submit with it, pertinent documents ) or ( 2 ) on-line, which I chose, leading to the statement I have written here. I hope that the CFPB will help resolve this most frustrating ordeal, which Capital One Bank, after receiving and recording people 's ( 1 ) social-security numbers and ( 2 ) dates of birth, ends their ( people 's ) calls.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Subject : Notice of Violation of the Fair Credit Reporting Act ( FCRA ) and Intent to Pursue Litigation I am writing to formally notify you that your failure to honor my complaint regarding identity theft, despite my submission of the Federal Trade Commission Identity Theft Affidavit, is in direct violation of federal law. Furthermore, your refusal to update my address to my current address, which is XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX, is also a breach of your legal obligations. 

Violations of Federal Law 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 : This provision mandates that credit reporting agencies must block or delete fraudulent information in a consumers file once they receive an identity theft report, along with supporting documentation such as an Identity Theft Affidavit. 
Your failure to address and correct the fraudulent information I reported constitutes a violation of this section. 
XXXX. FCRA, 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) : You are required to conduct a reasonable investigation into any dispute of inaccurate information reported to your agency. By ignoring my legitimate complaint and affidavit, you have failed to meet this obligation.

3. FCRA, 15 U.S.C. 1681b ( Permissible Purpose ) : Your continued failure to update my address as per my request creates additional harm by increasing the risk of inaccurate credit reporting and potential misuse of my personal information.

Request for Immediate Action I hereby demand that within 15 calendar days from the date of this letter : 1. You block or delete the fraudulent information as supported by the Identity Theft Affidavit.

2. You update my current address to XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. 

Failure to comply with these lawful requests will leave me no choice but to pursue legal remedies to protect my rights, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating litigation under the FCRA. Please be advised that violations of the FCRA can result in both statutory damages and punitive damages, as well as attorneys fees and other costs of litigation. 

Conclusion I trust that you will treat this matter with the urgency it deserves and correct the issues immediately. Please send written confirmation of the actions taken to the address listed above. 

If I do not receive a satisfactory response within the specified timeframe, I will proceed with further legal actions without further notice. 

Sincerely, XXXX XXXX XXXX