23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have recived a bill from capital one saying I owe XXXX $ From a credit card I never own. Now a bill collector send me a letter saying that they sold the acct to them. I talked to a representative one time and told her it wasent me. We end up arguing and the representative told me If I cant keep my spending under control and if im not going to pay why get a credit card? Now they calling family members ebery other day asking for the payment and harrasing my family members.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint about Equifax not being able to fix their credit freeze lift/thaw process. It is unacceptable that this credit bureau stands in the way of conducting business without any consequence. I have all the valid information needed to lift a freeze on my account yet their online system is always broken despite reporting this for several years. I can not get anyone by phone. The images submitted with this claims are not just in this instance, they always happen as if Equifax 's systems are designed not to be usable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I retrieved a copy of my credit report from XXXX and Equifax Credit Bureaus, and I noticed a credit inquiry that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : 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 and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : U S DEPT OF EDXXXX XXXX Balance Owed : {$1800.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$1900.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$4000.00} U S DEPT OF ED/GSL/ATL XXXX Balance Owed : {$430.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 
These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

Medical Hardship : I suffered complete XXXX  XXXX  and was placed on XXXX XXXX  XXXX at the same time my partner lost his job due to Covid. I contacted the bank regarding this hardship and informed them of change in income and uncertainty of claim processing dates. As result of the change in income my account was over drafted and subsequently closed.
Product: Checking or savings account

Dear CFPB officer. 
I opened Citibank account package with the advertised bonus of {$400.00} ( Promo ID : XXXX ; attached ). I opened the account on XX/XX/2018 using Citibank personal banker at the XXXX, XXXX XXXX branch and completed the required deposit ( {$15000.00} ) on XX/XX/2018. I maintained the minimum balance of {$15000.00} for more than 60 calendar days ( XX/XX/2018 ) following the date of the deposit. According to XXXX XXXX XXXX, I should have received the bonus within 90 days ( XX/XX/2018 ) of meeting the requirements. However, I didn't receive the bonus yet. I received an email from Citibank that a tax form was missing ; however, the personal banker mentioned to me that he had all the forms when he opened my account. I went to the branch and another personal banker told me that he can see that all the requirements were met and I should receive the bonus. Two weeks passed and I didn't receive the bonus. I went to branch again, and the personal banker again confirmed that I met the requirements and to resolve it he raised a request with back office and asked me to give it 6 working days. After 6 working days, when I didn't receive the bonus, I went to branch again and the personal banker mentioned that he has forwarded all the details to the branch manager who has the power to resolve the matter and post the bonus within 2 days. This visit was on XX/XX/2018 and I still haven't received the bonus yet. I hope to get this matter resolved as soon as possible. I hope CFPB can help me in this matter.
Product: Credit reporting or other personal consumer reports

I am a known victim of identity theft. I have been dealing with this since late last year. I have followed all of the instructions for what to do in this situation but the credit bureaus are not really doing anything to help me and they are violating federal law.. I did get a response from your office but have not heard anything since then. I have sent my information to the credit bureaus and there are 2 cards that were not opened by me. The accounts. Obviously, the account is in my name. IT IS IDENTITY THEFT!!!!! I am not disputing it and saying it is inaccurate, I am saying someone got my information and opened the account by pretending to be me. I do not understand what it is they can not wrap their head around,. Please help me. This is ruining my whole life. I need assistance.
Product: Debt collection

I am writing to formally file a complaint regarding a dispute with my previous landlord, Villas at XXXX, which was originally known as XXXX at XXXX. 
I believe that my rights have been violated in connection with a debt collection attempt made by this landlord. To provide you with some background, I rented an apartment from XXXX XXXX at XXXX at XXXX for a one-year lease. The lease term ended XXXX, I did not extend my lease and appropriately vacated the apartment. The decision to break the lease was influenced by a serious incident involving a shooting within the complex during the XXXX period, which made it untenable for me to continue residing there. I was then given an eviction order to pay {$2500.00} or quit the lease. I choose to quit the lease. Leaving XXXX at XXXX for good. Despite fulfilling my lease obligations and leaving the premises in accordance with the lease agreement, I am now being pursued for a debt of {$28000.00} by XXXX at XXXX. This amount is clearly incorrect and unjustified, as I did not extend the lease beyond the original term and adhered to all the necessary procedures when vacating the apartment. I am concerned that XXXX at XXXX actions XXXX constitute a violation of the Fair Credit Reporting Act, which governs accurate and fair debt collection practices. The FCRA ensures that consumers are not subjected to inaccurate or unfair reporting of debt. In this case, the amount claimed is not only incorrect but also reflects a misunderstanding or misrepresentation of my obligations. The continued attempt to collect this incorrect debt is causing severe disruptions in my ability to find suitable housing. Prospective landlords and property management companies are viewing this disputed debt as a red flag on my credit report, which is preventing me from qualifying for new rental opportunities. 
I am concerned that XXXX at XXXX 's actions constitute a violation of my rights and may be a result of improper or illegal debt collection practices. I respectfully request that the CFPB investigate this matter and take appropriate action to address this issue. Additionally, I would appreciate guidance on how to protect my rights and resolve this dispute with the landlord.Please let me know if you require any further information or documentation to support my complaint. I am eager to resolve this issue as soon as possible and ensure that my rights are upheld. 

Background and Lease Details : You rented from XXXX, ended the lease on XX/XX/XXXX, and vacated due to safety concerns. 
Eviction Notice : You received a notice demanding {$2500.00} or to vacate, and you chose to vacate the property. 
Unjust Debt Collection : Despite fulfilling your obligations, you are now being pursued for an incorrect debt of {$28000.00}. 
FCRA Violation : You believe this situation may violate the Fair Credit Reporting Act ( FCRA ) and is negatively impacting your credit report and ability to find new housing. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$18000.00} XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX. XXXX, XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$530.00}, are a blatant violation of my rights and have severely impacted my financial standing. I demand that the Credit Bureaus take immediate action to investigate and remove these fraudulent items from my credit report without delay. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is the Credit Bureaus ' legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from the Credit Bureaus detailing the results of the Credit Bureaus ' investigation and the actions the Credit Bureaus have taken to rectify this situation.
Product: Credit reporting

I paid XXXX $ for a credit report. Without my knowledge I was enrolled in a recurrent credit monitoring service. I noticed the XXXX $ charge on my next credit card bill. 
I called them to dispute the charge. I was informed that I was sent an email ( I never received XXXX ) that I had one week to cancel but I missed the deadline. I told them that I was n't aware I was even enrolled but they did n't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit report act. 
The list of the account below have violated my federally protection consumer rights to privacy and confidentially under ( 15. U.S.C. 1681 ) ( 15 U.S.C. 1681 section 602 ( A ) -States I have the right to privacy. 

Account name -DEPT OF ED/MOHELA - Account XXXX ( dates ) XXXX amount- XXXX ( 15 U.S.C 1681 section 602 ( A ) section ( 2 ) 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 containing any of the following items of information any other adverse item of information, other then records of convictions of crimes which antedates the report by more then XXXX years. 

( 15 U.S.C 1681-2 ( 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 the information is inaccurate.
Product: Debt collection

In XX/XX/XXXX, I filed a complaint with the CFPB regarding Credit Corp Solutions and their calling me at work after I had asked them not to, and their illegal threaten of legal action. In their response, they agreed to settle for {$1200.00}. Unfortunately, I had to put that money elsewhere, and I was also afraid to give them access to my bank account information due to the fact they had violated rules earlier and I could not trust them to keep their word. 

On XX/XX/XXXX, I received a letter from XXXX XXXX  XXXX, dated XX/XX/XXXX stating they represented Credit Corp Solutions in the matter of a debt with XXXX XXXX in the amount of {$2400.00}. On the same day, XX/XX/XXXX, I contacted XXXX XXXX  XXXX through their website and requested validation of the debt. 

I did not receive any validation or verification from XXXX XXXX  XXXX, and therefore had no reason to believe they legitimately could collect this debt. 

On XX/XX/XXXX I was made aware that a complaint had been filed against me in this matter in my local court, despite the fact that I had requested validation from XXXX XXXX XXXX. Now I am being sued for this debt by a company, Credit Corp Solutions, who I had previously agreed to pay and had made an agreement with because they broke the rules and now their attorney has as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters for 4 months now and requesting verifiable proof in regards to 2 accounts under XXXX. Experian/XXXX/XXXX  are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that it only takes 20 or 30 days to investigate this matter. More than 40 days have passed and nothing from this company.
Product: Debt collection

In XX/XX/XXXX XXXX XXXX XXXX XXXX in XXXX XXXX CA, knowingly violated Fair Debt Collection Practices Act and The Limitation act of 1980 and put an unlawful lien/judgement against my bank account and they fraudulently withdrew {$850.00} for a debt they were collecting that I originally had with Capital One that the last day of activity was in XX/XX/XXXX. The debt at that time was 6 years past the 4-year time  limitation and over 10 years had passed from the date of last activity in XX/XX/XXXX. 
I was injured in XX/XX/XXXX and had to have several XXXX. I was not physically able to return to work until XX/XX/XXXX. I was a XXXX XXXX XXXX and was unable to receive unemployment and had no source of income, which is why I was unable to pay Capital One after XX/XX/XXXX. 
Prior to XX/XX/XXXX, XXXX XXXX XXXX XXXX had threatened and harassed me with letters and phone calls. I informed them the debt was over ten years old and they lied and said I had to pay it or they would sue me. They presented the bank with false paperwork regarding the debt and the bank allowed them to levy my account and they fraudulently withdrew {$850.00} from my bank account. The money XXXX XXXX XXXX XXXX stole from me was my rent money and they caused me severe financial and emotional damage. 

XXXX  XXXX XXXX also broke the law as they misrepresented the truth and presented false documentation in court on XX/XX/XXXX as they knew the debt was pass the 4-year time limitation and won a judgement against me for  {$5600.00}. I did not have the money to hire an attorney and the paper work was very confusing, and I have been emotionally distraught and mentally overwhelmed since the court issued a judgment against me for a debt that the date of last actively on the account was over 10 years old and that XXXX XXXX XXXX XXXX would blatantly break the law and violate the Limitation act of 1980 and the Fair Debt Collection Practices Act and file a lawsuit against me for a time barred debt. 

On XX/XX/XXXX XXXX XXXX XXXX seized {$24.00} from my account and are harassing me to make a payment plan with them for the capital One debt that the last day of activity is over ten years old.
Product: Credit card

I wanted to have my payment history deleted off my credit report since account is paid in full. 
15 U.S. Code 1666 15 U.S. Code 1666 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I filed a Chapter XXXX Petition in the XXXX, MI Federal Court.  Sometime in XX/XX/2018 my plan was confirmed and the auto financed through XXXX XXXX was ordered to be surrendered. In XX/XX/2018 the lender retrieved the vehicle from my residence and sold it at auction leaving a residual balance of around {$9000.00} which was rolled into my Wage Earners plan to be paid at 100 %. XXXX reports to Experian and XX/XX/XXXX. They are currently reporting correct information to XX/XX/XXXX, however, for some reason they reported nearly 12 months of late payments that destroyed my report. I disputed this item and called the creditor numerous times and requested they correct their Experian reporting. They verified their reporting was incorrect and verified that they sent over the correct information to Experian on 3 different occasions. Experian alleges they never received the updated information so my score is still suffering because of this one account and Experian 's " simple '' upload process does not work as it says my 2 pages document to prove this error is " too large to upload ''. The Experian Dispute team is not helpful what so ever and the guy I talked to today even hung up on me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX  XXXX  XXXX Balance : $ XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

Suzuki provided contact of ownership however I have never lived at the address on contract and that is not my drivers license attached nor my bank card. My drivers license has had the same pictures since XXXX this account was open fraudulently and I would like it removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information that's on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX 
XX/XX/XXXX ( Bank ) XXXXXXXX XXXX XXXX. 
XX/XX/XXXX ( Bank ) XXXX XXXX XXXX XX/XX/XXXX ( Bank ) XXXX XXXX XXXX XXXX  XX/XX/XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Bank ) XXXX XXXX XXXX XX/XX/XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX
Product: Debt collection

I am writing in reference to the account with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX, which you claim I owe. Pursuant to 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease all communication with me regarding this debt. This request includes, but is not limited to, communication by phone, email, or mail at my home, workplace, or any other location. Please note that this request is made in accordance with my rights under federal law. Additionally, I request that you not contact any third parties in relation to this matter unless permitted by law.
Product: Credit reporting or other personal consumer reports

Ex employee " XXXX XXXXXXXX XXXX '' fraudulently utilized my PII ( Personal Identifiable Information ) to inquire credit in my name.
Product: Debt collection

I personally have been called daily by GC Services even though I set up a payment arrangement with them six months ago and have paid on time every month. They call me daily, have called my brother, my father, my ex brother in law, my current brother in law, and my ex husband. They have told these individuals that they were trying to locate me for repayment of a student loan. 

I called them today and they stated that they wanted to increase my payment from {$100.00} to {$300.00} because of information that I sent back in XX/XX/XXXX. I have been paying on time every month for six months and they state that none of the payments I have paid are pulling my loan out of default status because they believe I should be paying more.They also stated that I would have to make the higher payment for nine months before my loan would be removed from default status. They said that all the payments I had already made were applied to my loan, but that it didn't remove it out of default status. They also stated that I could be reviewed for wage garnishments or liens even though I am making payments. 

At the very end of an hour long conversation, they stated that I could be eligible for removal from default status if I consolidated my loans. They provided me this phone number to call to consolidate : XXXX. This phone number only leads to an endless loop of bogus offers for discounts on cell phones etc. 

I asked them to stop calling me and everyone else related to me. I did apply for loan consolidation through the department of education website. 

This company told individuals I did not approve to know that this call was in regards to a student loan debt. The call that disclosed that most recently was today. Please help this harassment stop and prosecute these individuals for predatory practices. Thank you for your time.