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

I have almost 95 % of all information showing on all the reporting agencies and fico is incorrect or even someone else. From ss # to account I've never had to thief of identity. I was very well off up to XXXX approximately you can see I had an average score of XXXX then identity theft and lack of capability to correct these errors had completely changed and destroyed everything I ever works for and my patriotic trust in our great nation. I was forced to stop working, due to XXXX overcoming my abilities to work I am fully XXXX for life. Now understanding me personally, my XXXX makes it unachievable to pay attention to details XXXX XXXX, focus, remember or fix issues such as this. I struggle remembering my own name from day to day, my license was taking for life, I went from earning {$22000.00} per month to receiving full benefits at {$2100.00} per month not a la to work XXXX drive, socialize, or continue life normally. Fix my identity theft please. I paid my home off 3 times over {$500000.00} per time in Montana here, owning a XXXXXXXX XXXX XXXX XXXX XXXX XXXX and running a very successful marketing company from XXXX employees to over XXXX employees at time of sell by owner. Then as I am no longer employable and identity theft of all life services and financial has overcome my every means I now have a credit score under XXXX, I can't reverse things due to stress and my XXXX XXXX XXXX doesn't help in these areas in the united states, and I need your help, attention and commitment to restore my credit, life, and last few years of dignity. Thanks XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EQUIFAX Dear XXXX XXXX EQUIFAX completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account.

XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had ONE late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payment to be paid on time immediately. 

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Student loan

Hi, In XX/XX/2019, a company called, XXXX XXXX and XXXX XXXX reached out to me to assist me with my eligibility for student loan debt relief. I spoke to XXXX XXXX, who no longer works there and was promised that if l paid {$1200.00}, in installments, I was promised that XXXX would handle any and all documentation regarding my repayment process and that did not happen. XXXX did not even have the ability to do so as they transferred the loan to XXXX less than one year after our agreement. 

I would like to be refunded the {$1200.00} l paid for services l was promised and never received. They called using the name XXXX but the withdrawals were made to XXXX XXXX and Student Debt USA, which they claim they only contract with but do not actually charge the clients. Now almost 5 years later, l have found the fraudulent businesses that charged me {$1200.00} to process all the necessary paperwork regarding the repayment of my loans. I was told it would be taken care of by and that did not happen and l would like my money returned. The process departments of all three of these businesses have never returned my calls or emails that l sent. I am now aware of the unethical and potentially unlawful practices of the scamming companies and would just like my money returned. It is a great deal of money to my family and l and especially during this time we do not have money to lose at the hands of dishonest people making illegitimate promises. Any help regarding this matter would be greatly appreciated. 

Thank you, XXXX XXXX
Product: Debt collection

States Recovery Systems Inc added XXXX accounts to my credit file, via XXXX, after lots of back and fourth and disputing the XXXX collection accounts with XXXX they have not removed these accounts. Account XXXX has a total of {$47.00} owed and account XXXX has a total of {$35.00} owed. I agreed to pay these amounts even though they are fraudulent accounts and I have no knowledge about them, if they remove from my credit report. They refuse to do so. So now I do n't want to pay them, I just want them removed from my credit file. I have filed a police report and send all information they requested, but they will still not delete from my credit file. These items are not mine, I have never been a XXXX customer and I want them removed from my credit reports, ASAP.
Product: Credit card or prepaid card

Congress says that any transaction that was authorized by a credit card ( ( XXXX  ) Credit card means any card, plate, coupon book, or other single credit device that may be used from time to time to obtain money, property, or services on credit. ) should be excluded from your consumer report
Product: Debt collection

I RECEIVED A NOTICE FROM UNIFIN INC STATING I OWE A DEBT TO XXXX FUNDING WHEN I OWE NOTHING TO ANYONE. XXXX FUNDING IS CLAIMING THAT THEY BOUGHT MY DEBT FROM SOMEONE ELSE BUT HAS NOT BEEN ABLE TO PROVE TO ME THAT THEY LEGALLY OWN MY SO-CALLED DEBT. WHO OWNS THIS DEBT?? THESE COMPANIES ARE ATTEMPTING TO GET MONEY FROM ME BUT NO ONE IS LEGALLY PROVING TO ME THIS DEBT IS MINE. THIS IS WRONG AND CAN NOT BE LEGAL!!!! UNIFIN INC NEEDS TO IMMEDIATELY PROVE TO ME THAT THEY ARE LEGALLY ABLE TO COLLECT THIS DEBT. ACCORDING TO 15 U.S CODE 1692G, I AM IMMEDIATELY REQUESTING 1 ) A COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE THAT I SIGNED FOR THIS DEBT. 2 ) A DETAILED LIST OF MY HISTORY OF PAYMENTS 3 ) PLEASE PROVIDE ME WITH THE NAME AND THE ADDRESS OF THE ORIGINAL CREDITOR. I ALSO WANT TO SEE IF THERE HAS BEEN ANY INSURANCE CLAIM FILLED ON THIS DEBT. 4 ) PLEASE PROVIDE ME THE PURCHASE AGREEMENT!! I WANT PROOF YOU OWN MY DEBT AND HAVE BEEN ASSIGNED MY DEBT TO COLLECT. SHOW ME THE CHAIN OF TITLE!! 5 ) PLEASE PROVIDE ANY JUDGEMENTS OBTAINED AND 6 ) PROOF THAT THE STATUTE OF LIMITATIONS HAS NOT EXPIRED YET. I HAVE REACHED OUT TO RESURGENT/ XXXX XXXX XXXX AND REQUESTED A DEBT VALIDATION BUT WAS ONLY SENT AN ACCOUNT SUMMARY WHICH DOES NOT PROVE THIS DEBT IS MINE. THIS IS RIDICULOUS AND I AM NOT OKAY WITH YOU COMPANIES HARASSING ME WHEN NO ONE HAS BEEN ABLE TO VALIDATE THIS DEBT. I AM IMMEDIATELY REQUESTING AN INVESTIGATION!!!!!
Product: Credit reporting or other personal consumer reports

I am disputing the following late payments reporting on my credit report. I believe that these are inaccurate. It is my right to get a fair investigation into this as i have proof that the following late payments reporting are incorrect and believe that they are appearing as an error. I received a copy of my credit report and found the following item ( s ) to be in error : Under 15 USC 1666 Billing Error this account is inaccurate and i did not incur any late payments. Please update this to paid on time. This account was paid and closed i need this to be updated to paid on time with NO LATE PAYMENTS reporting. 

1. Under 15 USC 1666 Billing Error XXXX XXXX XXXX Account Number:XXXX  THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME I need this changed immediately it is hindering me tremendously from obtaining new credit and needing to make financial decisions. I have also attached my License and Social for proof of identity
Product: Debt collection

On XX/XX/2021 CAPITAL ONE violated my consumer rights as listed below CAPITAL ONE sent a letter stating I owe a balance. According to 15 USC 1692c ( a ) without my prior consent as the consumer giving directly to a debt collector they may not communicate with me in connection with any debt CAPITAL ONE continues to call my telephone repeatedly and continuously on a daily basis to annoy, abuse, and harass me on many occasions. According to 15 USC 1692d ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

CAPITAL ONE sent a letter that I owe a balance. According to 15 USC 1692a ( 6 ) debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose with collection of debt correspondence from CAPITAL ONE had a symbol on the contents that indicates that they are a debt collector and are in the debt collection business. According to 15 USC 1692b ( 5 ) See attached for All of the violations. 
I've sent CAPITAL ONE a cease and desist alone with an affidavit.
Product: Debt collection

I had an account with XXXX XXXX, but they failed to deliver on their contract. I notified the FTC and the FTC decided I was correct. XXXX has now been sending this bill to different debt collectors, and they keep selling the debt to different collectors. Also, to note I have not received any kind of verification letter in the mail.
Product: Debt collection

Resurgent Receivables negative report on my account droped my credit score when they didnt have the right to collect on the debt and they were told i payed credit one bank the money. 
Ucc 3-105, ucc3-104, in accordance with 12 usc 361. These companies XXXX Resurgent Receivables LLC and Credit one Bank ) received such tender and notification to credit/discharge the accounts for the benificary of XXXX XXXX XXXX XXXX XXXX The instruments were taken and never returned in a timely fashion as stipulated in the cover letter and is therefore commercially Accepted. 15 usc 1682 s-2 please stop harming me financially. 31 usc 5118. Stop demanding cash from me as it violates my Article 1 section 10 clause 1 right.

Stop hurting my credit when you received a form of payment you XXXX XXXX
Product: Money transfer, virtual currency, or money service

My XXXX account, after many years, suddenly allows one of my valid payments methods to randomly change on various online companies, i.e., XXXX, XXXX, etc. 
I have made two calls to PayPal and both were redirected to offshore agents. Both agents claim security issues, but none coukd tell me the cause. When I demanded that an investigation be opened and I requested a case number they refused. 
Furthermore, I was told I could close my account and use a different payment method, however, this does not resolve the issue. PayPal refuses to follow up and act to provide me with proof that their security actions randomly activated are, in fact, not hacks or failures of their own system.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX XXXX and this is not a third party filing this complaint. Attached I have compiled several documents for your review showing how the following credit reporting agencies are violating my consumer protection rights. Please see attached documents and update the following accounts. 
Violators ; XXXX, XXXX XXXX EQUIFAX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Chapter XXXX Bankruptcy. The Account Opened is Chapter XXXX Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Chapter XXXX Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is TD Bank Target Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00}. The Account Opened is XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit card

Discover Card didn't report my phone number to XXXX Credit Bureau.
Product: Credit reporting

account is showed charged off XXXX seperate times and should just show closed in XXXX 2013
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Product: Debt collection

this is the 10 or 11th times attempting to fix this problem with Equifax. Theyre double reporting a fraudulent collection to my credit file for the 3rd time. Each time I dispute it they open a brand new identical collection account to my file with a new date of the date I filed the dispute. They reufse to fix this and have destroyed my credit. I am attaching the screen shot from today 's alert letting me know its on my file again. Ive also faxed them a police report which I have also faxed to CFPB and they keep telling me they dont have it.
Product: Credit card

I had a Toys R Us issued credit card that went delinquent. It was sent to a collection agency, they are reporting it to my Credit Report. My account was sent to a different collection agency and they are also reporting it on my Credit Report, so XXXX collection agencies are reporting the same on my Credit report damaging my credit further.
Product: Debt collection

In 2021, a USPS notice of change of address was sent to XXXX XXXX XXXX at XXXX XXXX XXXX indicating a change of address from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX to new address, XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX see attached. ( 1 ) Why was XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX ( 2 ) What prompted the change of address from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ( 3 ) Why was there no explanation or alert/notice from SPS regarding this transaction ( 4 ) Where is the transparency? This is an unfair and deceptive act. ( 5 ) What mail ( s ) were sent to XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX Provide copies. ( 6 ) How long did XXXX XXXX XXXX reside at XXXX XXXX XXXX XXXX XXXX ( 7 ) The notice also states that " your mail will be forwarded to your NEW address, as you requested, on : XX/XX/2021- why was this change requested? and by whom was this change requested? ( 8 ) The notice also states, " mail will be forwarded for all persons at the old address of the following business : XXXX XXXX XXXX - what business was being conducted at XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXXXXXX  ( 9 ) Who granted SPS power of attorney to conduct business on behalf of XXXX XXXX XXXX? provide contract of power of attorney.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the numerous unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and assurances from your company, these fraudulent charges persist, causing significant stress and financial concern. 

The presence of these fraudulent charges not only damages my financial reputation but also undermines my trust in your company 's ability to protect its customers from fraudulent activities. It is imperative that these charges are promptly removed to prevent any further damage to my financial standing. 

Furthermore, I expect to be compensated for any financial losses or damages incurred as a result of these fraudulent charges, as well as for the inconvenience and stress caused by having to deal with this situation repeatedly. 

I urge you to prioritize this matter and provide a concrete plan of action to rectify these issues promptly. Failure to do so will leave me with no choice but to escalate this complaint to regulatory authorities and seek legal recourse. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$720.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

These are fraudulent inquires on my credit report. I never gave permission, or even knew about any of these inquiries.
Product: Debt collection

at XXXX on Monday XX/XX/2021 I was contacted by a representative from Credit Corp Solutions. I told the gentleman I was not XXXX, he asked to verify XXXX 's b'day. I did. 
He then told me all the options XXXX had about resolving his debt. I am in no way on his debt nor is it any of my business. We are NOT yet married. This debt it none of my business. 
When informed of this he said he could tell me as I verified his b'day
Product: Debt collection

The apartment complex in question, wrongfully evicted tenant. Refused rent payment.
Product: Mortgage

Amrisave mortgage pre approved my loan and asked for {$500.00} to proceed with my application and guarantee medium that it would be refunded once the loan was funded. Then they denied my application and refuse to refund the {$500.00}
Product: Mortgage

Had a previous mortgage with Wells Fargo they processed it incorrectly so when I tried to modify or change I couldn't get any help and loss my home in 2013
Product: Credit reporting

This is a followup to a previous complaint against TransUnion. TransUnion lied to CFPB that the deliberate erroneously reporting of XXXX XXXX ( XXXX ) on my credit report would be deleted. Account was due on XXXX XXXX, 2016, was reported as being 30-days late on XXXX XXXX, 2016, and verified as being true on XXXX XXXX, 2016 by TransUnion. TransUnion stated that the item would be deleted as according to Fair Credit Reporting Act. This was not done by TransUnion. Item was only updated and is still on credit report. This is unacceptable and a violation of federal law. Also, XXXX ( XXXX ) is in violation of Alabama law. According to Alabama usury law, this item is paid in full because a 400 % interest on an installment loan of {$2200.00} is unconscionable high. There is no waiver. Consumer is demanding this item be deleted immediately. Transunion and XXXX are deliberately violating the FCRA, and the remedy for this violation is a lawsuit with a monetary award. FCRA is clear and do not warrant an updated -- a deletion. This entry on my credit report speaks to the character of the company that consumers have to deal with -- taking advantage of the sick and poor. XXXX XXXX ( XXXX ) knows the scam it has.
Product: Student loan

Per the fcra as a federally protected consumer I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 usc 6802. Which is a violation of my privacy rights under XXXX and family and educational privacy act of XXXX. 

Dated : XX/XX/XXXX Amount : {$15000.00}
Product: Debt collection

I had a contract with XXXX in 2010. My contract ended with XXXX and I switched over to a different company. I paid my bill to XXXX balance. I received a collection notice from Midland stating their are collecting a debt. I contacted XXXX, spoke to a representative stating my account is XXXX balance. I asked why is Midland reaching out to me to collect a debt. no answer. I understand XXXX was sued because they were charging unauthorized downloads etc ... Since the loss of the XXXX, the validations of the charges are inaccurate. feeling confuse.
Product: Credit reporting

On XX/XX/XXXX I spoke with Experian representative XXXX. He stated that he was in XXXX XXXX. During this call, I voiced my frustrations about not receiving results on disputes that were submitted beginning in XX/XX/XXXX through presently. I have countless documentation on the disputes submitted. After voicing my concerns, XXXX obtained further information on the accounts that I disputed and stated that he will be deleting them from my credit report. 
He also indicated that he will be sending me an updated credit report within XXXX business days. 

On XX/XX/XXXX, I spoke with a female representative of Experian who explained that XXXX basically lied and only removed " comments '' from those accounts. He specifically told me that they would be deleted from my credit report because I explained how they were inaccurate and the fact that they violated the FCRA by not responding with proof of the disputed information within XXXX days. 

Recently, I submitted further information to Experian and would like for them to delete the inaccurate, fraudulent, and unverifiable information from my credit report.