23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Back in late XXXX of 2020, my boyfriend and I made plans to move into an apartment. We were all set to move in when COVID-19 hit our area XX/XX/2020. By that time, jobs were closing down, and I soon found myself unemployed, as my job shut down, too. I wasn't making any income to even attempt paying off this collection, and am still making no income from the effects of this pandemic. I'm still struggling to find any means of pay. In addition, my boyfriend lost a lot of his work hours, so we were making little to nothing. Even if we did move in, we would not have been able to pay the monthly rent. We still can not afford the monthly rent, let alone this debt collection that, for some reason, was charged on both of our accounts. The amount we were charged with is the total yearly payment on our apartment, times two. Blakely Witt & Associates is charging both of us {$18000.00}, which isn't applicable in the slightest since we aren't making anywhere near that much money, and if we were going to live together in the same apartment, it baffles me that we are both being charged this much for it. We'd be having to fork out a total of {$36000.00}. We don't make that kind of money at all! I attempted to file a dispute through XXXX  on XX/XX/2020 for these sudden charges, but as of today, both companies have reviewed my dispute and stated that my debt collection remains in my account, and wasn't removed. This isn't fair for us, because my boyfriend 's mother was planning to move into an apartment in the same complex, yet she was able to dispute her debt collection that charged her around the same amount from the same company. She opted out of moving in because of the coronavirus, as well.
Product: Debt collection

I informed them that this is identity theft and fraud because I have never lived in XXXX Texas nor have I ever had an account with XXXX XXXX. I have lived in Missouri since 2007 and before that Tennessee.
Product: Credit reporting or other personal consumer reports

Pursuant to 15usc1681 my information has been breached/ privacy act as was the report I recently file with the ftc
Product: Money transfer, virtual currency, or money service

Ive had an account with bank of America and with XXXX XXXX .I 've used XXXX several times on several different occasions it's already been proven that my Identity has been fraudulently affected through the cfpb Still no help with student loans or charge offs or hard inquiries. 
My credit has been in the dumps
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without MY written instructions.
Product: Credit reporting, credit repair services, 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 & XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX  Account name : XXXX XXXXXXXX XXXX Account name : XXXXXXXX XXXX violates my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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, convergent account number XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

I understand that there is a class action lawsuit against Navient, formerly known as XXXX XXXX. I do not understand what I should do at this point. Is there anything that I need to be doing due to this?
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX number : XXXX
Product: Debt collection

I am writing to formally notify you that I contacted your office on XX/XX/year>, to request debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. During this call, I was informed that you are unable to provide the requested debt validation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my EIGHTH written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, BBB, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be Deleted Immediately. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Delete this account. 
XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX This XXXXs my final warning. I am currently working with a law firm to sue the three reporting agencies and especially the consumer finance protection bureau for all your negligence in this matter! I Demand these accounts are deleted immediately or you will be hearing from my lawyers!
Product: Credit reporting or other personal consumer reports

-Account name XXXX XXXX XXXX number XXXX -Account type Cell Phon -Date opened XX/XX/year> -Status Collection account. {$4.00}, XXXX past due as of XX/XX/year>. 
-Status updated XX/XX/year> -Balance {$4200.00} -Balance updated XX/XX/year> -Recent payment - -Monthly payment - -Original balance {$4200.00} -Highest balance {$4200.00} -Terms 1 Months On record until XX/XX/year> This is what shows up on my credit report. I HAVE NEVER been a customer of XXXX nor had a cell phone through them. I have had XXXX XXXX for the last five years. This was not me who attained this debt. I disputed with all three credit reporting agencies and could not reach the number for XXXX to discuss.
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 3 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 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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$13000.00}. 
Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item 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. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

I am not liable to any dept withXXXX XXXX do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX and Deleted
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding ongoing issues with the accuracy of my credit reports and the investigation processes of all three major credit bureaus : XXXX, Experian, and XXXX. My complaint pertains to the following matters : My credit reports reflect debts that do not belong to me. These debts appear to have been added erroneously or fraudulently, and despite my efforts to dispute them, the bureaus have not resolved the matter appropriately. credit reports contain inaccuracies such as incorrect addresses and name variations. These errors create confusion and raise concerns about potential identity theft or data mishandling. suspect that some of the invalid debts and incorrect information XXXX result from identity theft. I have taken steps to address this issue, including filing a report with the Federal Trade Commission ( FTC ), but the credit bureaus have not provided adequate resolution.My credit reports show random soft inquiries and other activity for which I have not provided consent. While soft inquiries XXXX not affect my XXXX XXXX, their presence without my authorization is troubling and warrants investigation. have submitted disputes to all XXXX  credit bureaus with supporting documentation, yet the responses have been inconsistent, and in some cases, the issues remain unresolved.
Product: Checking or savings account

On XX/XX/2022, I successfully opened a Citi Priority account online due to receiving a personalized ad from Citibank offering {$1500.00} bonus for opening account and funding the account with {$200000.00}. I was successfully able to fund the account from my XXXX XXXX  account and Citibank did not require any further verification of identity in order to successfully open and fund the account at that time. By XX/XX/XXXX, the I could see online that my funds became available on my mobile app and web browser. On XX/XX/XXXX, I received a letter from Citibank dated XX/XX/XXXX stating Citibank Fraud Prevention was not able to verify recent activity on my Citibank account and asked to speak to me directly by called the provided number XXXX options 2, 5. When I called this number, the representatives I spoke with were very difficult to understand and sounded as if they operated overseas. After asking all verification questions to access my account they then proceeded to tell me that the account could not be verified and abruptly hung up. 

This occurred repeatedly between the dates XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, I drove to the closest Citibank Branch and asked to speak with the branch manager to see if he could assist me with accessing my account. I was asked to present my California 's Drivers License, and Citibank Debit card matching my account, which I did. The branch manager then called the same phone number XXXX and let the fraud prevention team know I was trying to access my account and that he had verified my identity by my California 's Drivers License and Citibank Debit card. However despite all of this, Citibank was unable to verify my identity and could not remove the block on my account. 

On XX/XX/XXXX, I visited the Citibank Branch again and spoke with the branch manager, XXXX XXXX. After speaking with the fraud prevention team supervisor on the phone, Citibank announced that they were closing my account on the phone. However, I have not received any letter or written documentation stating this. Citibank is also unwilling/unable to provide any documentation or letter stating that they are closing my account. They keep saying that they are going to close my account within 30-60 days but they can not provide concrete dates of when my account would be closed and when the 30-60 day time period would start or end for me to receive a check in the mail.
Product: Credit reporting or other personal consumer reports

This account is too old to be on my credit report. It has been on my report for over 7 years
Product: Debt or credit management

I borrowed {$3600.00} to pay for XXXX  XXXX and I paid {$100.00} a month for 12 months then they started charging me interest and saying I owe {$4000.00} after giving them {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an reinvestigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following accounts from my file. 
XXXX XXXX XXXX : {$24000.00}, XXXX XXXX Balance : {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed on all three of my consumer reports that Fedloan Servicing is reporting negative remarks that affects my credit score negatively. I sent a request to validate the information they are reporting to the consumer report agencies mid XXXX. On the XXXX of XXXX I received a response from Fedloan stating the loan listed was transferred. Fedloan Servicing violated 15 USC 1692d ( 1 ), furnishing this negative item on my consumer reports is ruining my reputation, and it is defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice, congress said ANY card. My SSN Card is the credit card that was used to originate every consumer credit transaction on my consumer report. Every credit transaction involving the consumer was originated by the consumer using their social security card. Pursuant to 18 USC 8, all debts are the obligation of the United States due to the fact that the United States has been bankrupt since 1933 according to House Joint Resolution 192.
Product: Checking or savings account

XXXX was taken out of my account on XX/XX/XXXXwhich was a scam I never recieved any item for money that was taken, 2nd XXXXtransaction taking {$150.00} from my account was never authorized by me at anytime, bank says they find no error I just had XXXX of my money given away bank declines to reimburse. These are known scams through XXXX, bank not honoring, then exactly how are they protecting my money?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Cavalry Portfolio Services add a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and Im no longer responsible for the account Cavalry Portfolio Services did not verify this collection. Also there was no written form of communication, contact or signature for this accused debt at all. a bill without signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Cavalry Portfolio Services has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Debt collection

hello, i had assistance by the state of Washington to pay this medical bill, i also had state Washington apple health at the time of emergency. I contacted Swedish billing and told them the situation. the rep told me they took care of it and sent the bill to my insurance at the time of emergency.
Product: Credit reporting, credit repair services, 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 USC 1681 : 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  Above Listed has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 diverse item of information, other than records of convictions of crime 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 if the person knows or has reasonable cause to believe that the information in inaccurate.
Product: Money transfer, virtual currency, or money service

I have been having issues with security checks. It keeps saying my number isnt supported for weeks now. When I called support today, the lady 's agent said she had removed the security check of my account and tried again in 48 hours, but I am still having issues. Would you please fix my issues