23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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

Dear Credit Reporting Bureaus : I have been monitoring my credit scores weekly for about XXXX years now and I am " stumped '' at the constant fluctuation in my FICO score from week to week. Thus, I have had to break down and purchase XXXX at {$20.00} per month just to try to protect myself further. Monitoring my credit scores and constantly having to fix them is taking a significant amount of time out of my life. This should never be! 

I have a complaint about your FICO score calculations and the fact that there is no " explanation '' as to the CONSTANT fluctuation in my score every week. 
On XXXX XXXX, I checked my FICO score and it was XXXX. Within one week ( today ), my FICO score dropped XXXX points with Transunion ... XXXX points with XXXX ... and XXXX points with XXXX. When I viewed my credit report, I saw that I had done nothing wrong. I continue to obtain credit offers with lower interest rates, I am never denied credit, and I pay my payments on-time with all of my new accounts. 
Since you credit reporting agencies hold so much " power '' over a person 's life ( their FICO score determines if they can buy a house, buy a car, rent an apartment, get a job, and various other " life issues '' I INSIST on a detailed, specific, verifiable explanation as to WHY my scores dropped from each of you. Since your agencies actually assigns a NUMBER which determines whether a person has " very poor '' credit ... '' poor '' " fair '' " good '' and then " excellent '' credit, there must be a certain " MATH '' that you use for each point. I demand to know the math - long form, that you have used to drop my scores. 
I have requested this about 1 1/2 year ago and was given a vague, ambiguous answer by credit reporting agencies that are authorized by the government to assign these FICO scores. This is NOT ACCEPTABLE!!!! 
Since your calculation can keep me from buying a car, home, or even rent a simple apartment. Since you have SO MUCH control over my life ... because of the FICO score that YOU determine. I want to know " specifically '' WHY my score has dropped with detailed explanation. 
When such serious responsibility is given to an organization, then ACCOUNTABILITY is required. 
So, to Transunion ... please tell me why you dropped my score by XXXX points within one week? 
To XXXX ... please tell me why you dropped my score by XXXX points within one week? 
To XXXX ... please tell me why you dropped my score by XXXX points within one week. 
Please take responsibility by being " vigilant '' when an outsider attempts to provide information to assure that it is correct.
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 XXXX 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 XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few XXXX credit card accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX 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 XXXX Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Student loan

My account was charged off but paid in full in 2021. However, Wells Fargo did not report it to the credit bureaus correctly and we are unable to obtain a new personal loan. I have called every day for a week to get another letter ( received one in 2021 ) stating it was paid in full. However, they are saying they are too busy to provide it.
Product: Debt collection

This original company was aware of identity theft due to my military status. After agreeing to REMOVE the negative debt since I never applied for it, they charged it off and the collection company continues to reage the debt resale and has damaged my militaryservice record and hurt my credit. The debt is NOT mine. I have requested copies of original contract, proof of legal right to collect and proof of verification method nothing has been given to me.
Product: Debt collection

Radius Global Solutions has illegally obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$14000.00XXXX XXXX XXXXXXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00}, 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

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 XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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, 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 TransUnion & XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these 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 XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5000.00}
Product: Credit card or prepaid card

I ordered a bed from Ashley Furniture and it was left damaged at our house. I tried contacting them to tell them what happened. 
Om XX/XX/XXXX i was promised a call back in 48 hours- it still has not happened. I called back on XX/XX/XXXX and spoke with XXXX she said she would send replacement parts for the rails. 
The bed is unusable due to missing pieces. They sent screws that don't fit the bed, but nothing else. 
They will not removed the charge either. 
We can not attach the rails to the foot board or the head board.
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 XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company from my information Transunion. Please delete the following accounts. creditor : Account Name : XXXX Account Number : XXXX Reported Balance : {$0.00} Account Name : XXXX Account Number XXXX XXXX Reported Balance : {$8100.00} Account Name : XXXX  Account Number : XXXX XXXX Balance : {$36000.00} Account Name : XXXX Account Number : XXXX Reported Balance XXXX {$15000.00} Account Name : XXXX  Account Number : XXXX Reported Balance : {$24000.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$11000.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Reported Balance : {$11000.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$22000.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$22000.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$29000.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$58000.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$21000.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$47000.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$700.00} Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Balance : {$38000.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$0.00} Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Upon reviewing my credit file, incorrect information was found in my reports. XXXX, XXXX and Equifax Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proofprovided, within the time allowed by law, is not authorized. Below are the items that arereporting on my Credit Reports : XXXX ; XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$28.00} ; XXXX XXXX : {$96.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$10.00} ; XXXX Balance : {$75.00} ; XXXX XXXX Balance : {$21.00} XXXX XXXX : {$80.00} ; XXXX XXXX Balance : {$310.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act citizens account number XXXX this creditor has violated my rights. 
Under 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Under 15 USC 1666B : A creditor may nt treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Repeatedly called me at all hours even when told we live in Hawaii still call at XXXX. Calls 20 times a day on various numbers to our various phone numbers. 

The threatened my child after my minors told them they were kids and didnt know anything saying they were going to put me in jail. 

They called my elderly mother and told her if she didnt pay my debt I would go to jail. 

They are abusive and I've repeatedly asked for proof of the debt they claim I owe them. I've informed them I will only pay the debt originator and not them and written and verbally told them they may only contact me via writing after the continued abuse. 

Further, they are calling on a debt that is outside the legal collection period of my current residence and outside the window of my prior residency.
Product: Mortgage

We took out a reverse mortgage in XXXX XXXX with XXXX XXXX who sold to Champion Mortgage loan number XXXX borrower past away in XXXX XXXX and the non-borrowing surviving spouse has been trying to sell the home. In XXXX XXXX Champion sent the estate a payoff demand due to the death of the borrower. Per the terms of the original loan we believed there were 6 months for the sale of the property plus extensions if necessary. 
We sent in our notice of intent as instructed by Champion along with authorization as trustee of the trust. The home was initially listed on the market as for sale by owner. 
We talked to XXXX of Champion on XXXX/XXXX/XXXX after receiving their denial letter of XXXX/XXXX/XXXX. She acknowledged that we had properly complied and everything they needed was in the file. 
On XXXX/XXXX/XXXX we spoke with XXXX of XXXX regarding the letter of XXXX/XXXX/XXXX saying the request was incomplete but did not detail what was missing. XXXX resolved that we indeed current with all documents. 
Champion the letter again on XXXX/XXXX/XXXX yet it was the same request so per earlier conversation with XXXX they had this data. On XXXX/XXXX/XXXX we spoke to Champion and XXXX regarding their letter dated XXXX/XXXX/XXXX. He told us to submit another extension request if needed as the property was now listed with a Realtor and in the XXXX system. Accordingly before the expiration of our first extension we sent another extension request on XXXX/XXXX/XXXX. 
Following our request for the second extension we received a letter from Champion attorney dated XXXX/XXXX/XXXX and spoke with her XXXX/XXXX/XXXX. She was only taking direction from Champion or Nationstar. Not sure if transferred or not. Then we received letter from Champion dated XXXX/XXXX/XXXX denied our extension request as it did not have supporting documents. Earlier they told us they could see the listing via the XXXX so we did not send our listing agreement with the Realtor. Then we receive a notice of default from Nationstar dated XXXX/XXXX/XXXX and a copy of the NOD from the attorney recorded XXXX/XXXX/XXXX. 
Today XXXX/XXXX/XXXX we called Champion to get some resolution as to the extension and XXXX XXXX refused to speak with us as he told us we had not authority on the file. This after we have sent all the data requested, confirmed on several conversations. These guys are bullies trying to maligning the widow of an FHA insured loan whereby they have no additional risk.
Product: Debt collection

Today XX/XX/2018 I was looking at my credit report and this collection account popped up on my credit report. I have never done business with this company nor do I have a contract with this company. I, as a consumer, have rights under the FDCPA that the FTC enforces. This collection agency has never contacted me in writing to VALIDATE not VERIFY this alleged debt. This collection agency just appeared on my credit report and I have the alert to prove it. If this company does not follow the law properly I will have no other choice but to contact my Consumer Rights Attorney and sue this company. If I owe any company money it must be presented according to the law. And popping up on my credit report out of the blue is not according to FDCPA laws. I have never received anything in writing from Credit Systems International INC., I have never been given the opportunity to dispute and request validation as FDCPA states I have the right to do. THIS IS A CLEAR VIOLATION OF Credit Systems International INC. illegally placing information on my credit report without my consent, knowledge or written authorization as required by the FCRA. I have also contacted my consumer rights attorney who is with the law firm XXXX XXXX XXXX. I have never been given the right to dispute. REMOVE YOURSELVES IMMEDIATELY OR I WILL INITIATE A LAWSUIT FOR VIOLATION OF THE LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and TransUnion on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If XXXX and TransUnion do not authenticate the account, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Student loan

I am filing a complaint against EdFinancial Services for failing to move my federal student loans from the SAVE ( Saving on a Valuable Education ) repayment plan to the Income-Based Repayment ( IBR ) plan, despite clear guidance from the U.S. Department of Education stating that borrowers are permitted to make this change upon request. I formally requested this change from EdFinancial on XX/XX/year> and have not received confirmation that my request has been processed. Instead, my loans remain in the SAVE plan, and I have not been provided with a valid reason for the delay or denial. Per the Department of Educations published guidance, servicers have resumed processing applications for IBR, ICR, and PAYE plans. If additional processing time is needed, borrowers should be placed in a processing forbearance that provides IDR and PSLF credit. However, EdFinancial has failed to comply with this guidance and has not moved my loans accordingly. This delay is negatively impacting my repayment plan selection, and I am concerned about the improper handling of my account. I request that EdFinancial immediately process my change from SAVE to IBR as required and ensure that my forbearance status, if necessary, aligns with Department of Education policy. I ask the Consumer Financial Protection Bureau to investigate this issue and ensure that EdFinancial follows the proper procedures for handling borrower requests. 

Thank you for your consideration.
Product: Prepaid card

My spouse sometimes gets gift cards for extra work or special work and we use these often to purchase gifts or needed items for special occasions. I made several purchases at XXXX on differing occasions using these gift cards, cards that the cashier would toss after using up the amount on the card. However, several times I needed to return items and without given an option the amounts would be placed back on the card used. This happened a total of 3 times in two seperate returns at XXXX who appeared to be at a loss when we explained that it was a gift card we no longer had that was used to make the purchases. The cashier would then say to contact the issuer of the cards. 
I sent Vanilla Visa Gift Card Customer Service several letters and emails providing them the information they required. It never appears that I provide enough for them and that there is yet another excuse to why they can not issue me a new card. These are funds that have been returned to them and they are attempting to make it as difficult as possible to " prove '' I am worthy of their card refund. I have been attempting to deal with this since XX/XX/2023. A copy of the return receipt issuing funds back to their cards does not appear sufficient, nor my license because it was in black and white copy, so I sent the receipts once more with a color copy of my license and now they are asking I go back to the store and get more proof from them by obtaining more than the detailed receipt I provided to Vanilla Visa Gift Card. 
I think they are attempting to just defraud users of these cards, who eventually just give up and that is not okay. I have the proof and I provided my license to them, yet they continue to ask for more that I can not understand the need for as I have the detailed receipt copy with the transaction information and the store and card number reissued to.