23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I retrieved my credit report several times in XXXX and XXXX and have been waiting for my 1099 C to make sure my taxes are done properly. 

I have requested the collection company that bought my charge off not contact me and the original card company said they will not contact me any more.
Product: Debt collection

I have recieved multiple calls from a collection agency stating I owe {$340.00} to Fifth Third Bank. Upon asking for verification of the debt Im told it will be emailed to me. It never was. After calling back I was told they do not provide proof of debt, only payment arrangement letters. 

I wasnt able to catch the name of the company however the contact phone number is XXXX
Product: Debt collection

I filed bankruptcy XXXX XXXX, this was XXXX that was discharged. This should not be on a collection. This company keeps harassing me about paying this in full and saying they have sent me numerous letters and changing or adding different dates this was taken out. The date XXXX XXXX which states this was done is yet another date. I did not contact or except a cash advance from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal identification have been stolen. Drivers license, Social security card. All of the names of my former employers have been changed with Equifax.. All of my former addresses have been changed. My first name is spelled XXXX with vital records in Tennessee. I 've spelled it as XXXX, because of the way it 's pronounced. XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX.. I changed my name to my maiden name in Probate court when I learned I was a victim of identity theft in late XXXX-XXXX. XXXX XXXX XXXX XXXX is my former employer. In XXXX the company amended & restated my tax return and sold my first mortgage. The company is a S-corporation, they used {$53000.00} of my retirement money to make this transaction through IRS to get The Golden Parachute Tax Break. My mortgage was sold to XXXX XXXX in XXXX XXXX. My mortgage was current when sold. While at work XXXX XXXX, XXXX XXXX & many others had access to my information. It was on file, I was in a group. The company filed all of my medical claims with XXXX & XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I recently reviewed my Experian Credit Report. Since XX/XX/XXXX I have been disputing XXXX accounts, XXXX XXXX XXXX ( Account # XXXX & XXXX ). On my Experian Credit Report these XXXX accounts show no payment activity and or transactions. Furthermore, the XXXX accounts are more than 7 years old. ( # XXXX - XX/XX/XXXX & XXXX - XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute 5. Signed contract or Documents with my signature If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Best Regards, XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XX/XX/2021 from XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, SD XXXX the subject of which was : Decision about your recent application for a deposit account I MADE NO APPLICATION FOR A XXXX XXXX DEPOSIT ACCOUNT XXXX XXXX said they were unable to open a deposit account because of information from the following reporting agency : Early Warning Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX I made no application to XXXX XXXX and have never heard of this reporting agency before. I visited the reporting agency website but did not initiate contact. 

I hope XXXX XXXX is not opening up accounts on their own again and I hope this reporting agency is not using this to gain access to personal information.
Product: Credit reporting or other personal consumer reports

i did contact Transunion for hard inquiry that's was on my file about two months ago, and they didn't provide any information, and all the inquiry i didn't authorize XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX
Product: Debt collection

Without contacting me, this company has put a negative mark on my XXXX credit report. 

I had already disputed this debt with the Consumer Financial Protection Bureau 6 months ago. The debt is not owed and is the result of fraudulent billing practices. 

I closed my XXXX account in person over a year ago. The XXXX representative was friendly, everything was done, there was no equipment that I owed. 

I would be interested in joining a class action lawsuit against this billing practice, if there are any lawyers out there listening.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, I have repeatedly asked Equifax Information Services XXXX XXXX, XXXX and XXXX to objectively resolve my credit issues relative to the hard inquiries which shouldve been reported as promotional or soft inquiries. I have reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXXXXXX XXXX XXXXXXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.
Product: Credit card or prepaid card

CALLED AND DEMNDED PAYMENTS BEFORE THEY WERE DUE BY 15 DAYS. FALSE CREDIT LIMITS AND INCREASES PROMISED FROM BEGINING TO END. HARASSING PHONE CALLS. NO HELP FROM SUPERVISORS. FALSE CHARGES ON MY ACCOUNT. HOURS WASTED ON THE PHONE. THE MOST EVIL COMPANY THAT I HAVE EVER ENCOUNTERED. THAT IS THE SUGAR COATED VERSION.
Product: Credit reporting or other personal consumer reports

There's XXXX hard inquiry in my credit I didnt authorize and no actions were taken by none XXXX XXXX 5 times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX BOA 2 times XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX 2 times XX/XX/XXXX XX/XX/XXXX XXXX 2 times XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 2 times XX/XX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint for Removal of Inaccurately Reported Foreclosure Redeemed Account - XXXX XXXX Dear CFPB, I am writing to submit a complaint against the inaccurate reporting of a foreclosed but redeemed mortgage account by XXXX XXXX on my credit files with XXXX and TransUnion. Despite the foreclosure being redeemed, the account continues to be reported with inaccuracies, affecting my creditworthiness. 

Account Details : Account Number : XXXX Account Type : XXXX XXXX  XXXX Mortgage Credit Reporting Agencies Affected : TransUnion XXXX XXXX Inaccuracies and Issues : Inconsistent Date Opened : TransUnion XXXX Reports XX/XX/XXXX XXXX : Reports XX/XX/XXXX Erroneous Account Status : TransUnion Status : Late 120 Days Experian Status : Foreclosure Both statuses fail to reflect the redemption of the foreclosure. 
Misleading Comments and Information : Comments refer to the foreclosure being started but do not adequately address its redemption, causing undue derogatory status to linger. 
Discrepancies in " Date Last Active '' : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX Violations Under the Fair Credit Reporting Act ( FCRA ) : FCRA Section 605 [ 15 U.S.C. 1681c ] : Imposes rules on reporting obsolete information and mandates that all information be complete and accurate.

FCRA Section 611 [ 15 U.S.C. 1681i ] : Requires credit reporting agencies to investigate disputes regarding accuracy within 30 days.

FCRA Section 623 [ 15 U.S.C. 1681s-2 ] : Obligates furnishers of credit information to ensure the accuracy and integrity of the information supplied to credit reporting agencies.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$340.00} XXXX  XXXX Balance : {$320.00} XXXX XXXX Balance : {$320.00}
Product: Credit reporting or other personal consumer reports

My student loans were transferred from XXXX to Mohela XX/XX/XXXXXXXX  and ultimately forgiven as part of PSLF/XXXX I've received confirmation lettters and XXXX balance across all accounts ( Mohela, Department of Education, XXXX  ) XX/XX/XXXX. On my credit report, however, it is showing my student loans are doubled -- BOTH XXXX  and MOHELA are showing my student loan debt so it appears I actually have double the amount of student loans which is a sizeable amount. This is unacceptable -- I have not had a balance with XXXX for almost a year, and it has been almost four months since my loans were forgiven under PSLF/XXXX. This has negatively impacted my credit score, my debt to income ratio, and is prohibiting me from buying a second house and car. Please address this as soon as possible and remove these balances from my credit report.
Product: Vehicle loan or lease

Capital One Auto Finance continues to report an auto loan that is a result of identity theft. I have disputed this account and have submitted my identity theft report and they have yet to conduct a proper investigation. I'm not arguing that the account does not exist but it wasn't open by me. There's no signed contract bearing MY signature agreeing to this account. The reporting has hurt my credit rating and defamed my character.I have suffered damages because of the inaccurate reporting of this account.This is clearly violation of my rights as a consumer under the FCRA
Product: Student loan

See my previous complaint about MOHELA for my government student loan COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Student loan ISSUE Dealing with your lender or servicer This is from their site to prove they have loan. 


MOHELA XXXX XXXX. XXXX XXXXr of Federal Student Aid. 
Contact Us Search the Help Center. Opens a search form. 
Payment Methods In Repayment Loan Forgiveness & Discharge, opens a menu Support, opens a menu Account Summary Loan Details Payments & Billing, opens a menu Repayment Options Inbox Upload More... 
, opens a menu Account Summary As of XX/XX/year> ( ET ) Total Payment Due : {$0.00} Alerts XXXX have XXXX alert. 
Show Your Loans Loan Type Due Date Amount Status Auto Pay Tooltip. More information about Auto Pay.

When your loans are in Auto Pay, the payment amount for your upcoming payment due date will display as {$0.00} because your payments are automatically scheduled to recur and no additional action is required.

If you have a Past Due Amount or Unpaid Fees, they will not be added to your recurring Auto Pay amount. You need to make a manual one-time payment to pay these amounts.

To view your Monthly Payment Amount- the amount required each month to repay the loan according to the repayment schedule - select a loan name to view your loan details. Your Estimated Repayment Schedule shows the Monthly Payment Amount, along with the number of payments and total amount to be repaid according to that schedule. 





Show more information XXXX XXXX Consolidated - Unsubsidized Direct XX/XX/year> {$0.00} No Payment Due Total Current Balance : {$230000.00} Total Number of Loans : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, XXXX Social Security : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit and credit cards as well as car loans from the following creditors ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed XXXX XXXX to any credit Bureaus or reporting agencies. I do not consent or give permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a XXXX XXXX. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Credit card or prepaid card

XXXX XXXX dollars were stolen out of my unemployment account over the span of four days. Started on XX/XX/XXXX. They pulled out max amount each day. The XXXX, XXXX, XXXX, and XXXX of XX/XX/2021. I called Bank of America and opened up a claim. They denied it over and over. I have even filed a police report and faxed them proof that I was out of town the days the fraud started happening. Bank of America said my chip was used, although it was a card issued with no security chip. Ive had to open this claim with them about 4 times and its still being denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX Balance : {$2600.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a letter to Todd, Bremer & Lawson, Inc. requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and or other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In XX/XX/year> I made purchases of {$520.00} at XXXX XXXX. Their sales rep verified that I did not have any XXXX 's charge card nor a XXXX 's account. I did not want one. But the sales rep persuaded me to apply for their charge card so that I could receive the discounts for opening an account and the additional discounts for making purchases that day and would appear on my billing statement. In XX/XX/year> when I did not receive my billing statement, I noticed the XXXX 's information given me by their sales rep in XXXX was in XXXX. I do not speak XXXX. In XXXX, I called XXXX XXXX, explaining the situation, verified that my address on file with XXXX 's was incorrect. After making the correction, we verified the amount owed, {$520.00}. In our discussion, XXXX XXXX XXXX stated I could not receive the stated discounts because I had an account. Even after the sales rep verified that I did not have an account. Because of all this, XXXX XXXX XXXX stated she would waive any late fee for that billing statement. After our phone call I immediately sent a check paying the verified amount owed, {$520.00}, making the account paid in full. I did not receive any other XXXX 's billing statement until XX/XX/year>. The billing summary shows no past due amount, the {$520.00} payment made. After, XXXX XXXX added interest charges of {$6.00} and some other charge bringing a new balance of {$21.00}. After numerous calls to XXXX 's questioning their charges and appealing, they remove the {$21.00}, XXXX XXXX continues to carry on and adding more. I filed a XXXX  complaint and XXXX 's still continues to add more charges. Last statement in XXXX is {$130.00} accumulated interest and late fees from a XXXX purchase that was paid in full.
Product: Credit reporting or other personal consumer reports

XXXX has repeatedly denied my disputes, claiming the information is accurate, despite clear evidence to the contrary. I believe this conduct violates several provisions of federal law, including the Fair Credit Reporting Act ( FCRA ). 

Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, credit reporting agencies like XXXX have a duty to ensure the accuracy and completeness of the information they report. Specifically : 1. 15 U.S.C. 1681e ( b ) : This provision requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. By failing to adequately investigate my disputes and relying solely on the furnishers verification, XXXX has failed to meet this obligation. 
2. 15 U.S.C. 1681i ( a ) : This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information. Court decisions such as Henson v. CSC Credit Services, 29 F.3d 280 ( 7th Cir. 1994 ) affirm that a superficial or automated reinvestigation process does not satisfy this requirement. Experians consistent denial of my disputes without proper investigation suggests a violation of this statute.

3. 15 U.S.C. 1681c ( f ) : The FCRA also prohibits reporting information that can not be verified. Given that XXXX continues to report incorrect information despite my disputes, it raises questions about their compliance with this provision. 

Negligence and Reckless Disregard Courts have held credit reporting agencies accountable for negligent or reckless behavior regarding the accuracy of consumer reports. For instance, in *XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This XXXX XXXX XXXX XXXX XXXX XXXX has a credit file on me but does not even report in my state of residency of XXXX. There is not even a way to dispute the fact that i was a victim of identity theft as they don't have an option to contact in my state.