23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Pro Collect. Their phone number is ( XXXX ) XXXX-XXXX. They have bought the bad debt for someone that has my name. This person that shares my name from Texas owed money to an apartment complex. I've never lived in Texas, the information they have does not match mine except my name. I'm easy to find since I'm a responsible human being. This company wants me to prove that I'm not the person they are looking for by providing my drivers license info and social security number. Because of identity theft, etc. I'm not about to provide this information to some random company that keeps calling me just because they are telling me that they are legit. I've told them they have the wrong person, I've told them I'm not going to pay the debt for this other person who has my same name, but they refuse to stop calling me and harassing me about the money owed.
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. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was notified last year when attempting to purchase a home that this collection from a company that purchased my old apartment complex was attempting to collect. I do not have an account with this new company that purchased the apartment complex and assumed all its debt. I never had a rental agreement with this new company either. I moved out of XXXX XXXX XXXX in XXXX and this new company bought XXXXXXXX in XXXX. I had no further contact until XXXX when my credit report stated this debt was being collected.
Product: Payday loan, title loan, personal loan, or advance loan

A representative by the name of XXXX showed up to my place of employment, I told her I am unable to discuss this matter at work. I had already discuss my financial reason with someone at the office once and they could not be calling me at work or showing up to discuss private matters. They continue to call me and now have began to call asking to speak to my supervisor. I dont know how many more details I need to provide for them to understand, they can not be doing this. The second or third time they called they let our receptionist know they needed to verify employment. They already know I work here what more verification do they need!! They have threated to take this matter to court but have only been harassing over the last XXXX months.
Product: Money transfer, virtual currency, or money service

An old friend texted me on the app XXXX  asking me if I wanted money which I said yes. She said she was selling her Bitcoin and that all I had to do was send her 50 $ to help her convert it. Weve been friends for 3 years so I trusted her and went along with it and sent the money, but then she sent me another text saying it didnt go through so I sent it again thinking she would send the extra 50 back but instead she blocked me. I later found out that her account had actually been hacked and that it wasnt her texting but another person by the name XXXX XXXX XXXX, her XXXX address is XXXX and her phone number is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was transferred from XXXX XXXX to the XXXX Department of Education XXXX My loans were only shown on my credit report with Great lakes as XXXX accounts. Now XXXX XXXX XXXX XXXX XXXX XXXX every single disbursement I had for school totaling XXXX new accounts on my credit report. I was in the middle of purchasing a home and now can no longer buy a house due to their incorrect reporting to all the credit reports. XXXX XXXX told me my loans were consolidated and now here come XXXX saying they arent consolidated. Why are they showing XXXX new accounts on my credit report doesn't even seem realistic! They have ruined my dream of buying and home and have destroyed my life. I have to seek therapy due to their inaccurate and lieing to the credit bureaus. I am now suffering anxiety and panic attacks due to XXXX XXXX XXXX XXXX and now have to seek medical attention. They have DESTROYED MY LIFE! NOW I WILL JUST HAVE TO BUY A TENT AND LIVE WITH THE OTHER HOMELESS PEOPLE!
Product: Payday loan, title loan, personal loan, or advance loan

I am XXXX years old and permanently XXXX from a severe XXXX XXXX injury which happened in XXXX. I had XXXX major surgeries to date and more coming in the near future. I am on a lot of medication both for XXXX  and for XXXX. The medical coats associated with the injury have been enormous. We had received some paperwork from Loan Mart in the mail and applied for a title loan on our XXXX XXXX. We are still paying on that loan. We also were notified we could do a second loan on our other vehicle the XXXX XXXX which we did in the amount of {$2000.00}. In the last XXXX months I have had some health issues and the costs associated with those incidents have been unexpected and overwhelming. We stayed in communication with Loan Mart throughout the process and they did XXXXrant us a one month extension but of course continuing to charge their interest. My judgement and mental processing can be cloudy at times due to my medications. I am not a business man. I was in construction my whole life. A family member helped us out with a small loan to make ends meet while I was dealing with the unexpected health situations. They looked at the contracts we received through Loan Mart and were astounded. I had to be explained to what they meant. I have to pay back {$11000.00}!!!! on a {$2000.00} loan! This is robbery and taking advantage of the XXXX. The XXXX is my only mode of transportation to and from my medical appointments. The XXXX my daughter uses for work and school. This can not be legal! My family member said Title Loans are illegal in the State of Indiana and there is an interest rate cap, and that this loan far exceeds it! Please assist in this situation. This is not morally right.
Product: Credit reporting or other personal consumer reports

firmly believe that my rights under these laws have been violated. In XX/XX/year>, I submitted documentation and contacted your institution regarding unauthorized accounts and inaccuracies in my credit report. Despite my efforts, including contacting the alleged creditors, no verifiable debt or account information tied to my identity was discovered. This failure to provide evidence is a clear violation of the above statutes. 
Fair Debt Collection Practices Act ( FDCPA ) : Equal Credit Opportunity Act ( ECOA ) : Federal Trade Commission Act ( FTC Act ) : Truth in Lending Act ( TILA ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Failure to address this matter promptly has compelled me to escalate my complaint to the XXXX  Attorney General 's Office, the Consumer Financial Protection Bureau ( CFPB ), or pursue legal action under applicable statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my credit report in Identity IQ dated XX/XX/2023, I realized that the same accounts were 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 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 accounts below : XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX  XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a identity theft victim and I notice that I had an account on my name from oportun and I made the FTC report because I have 4 charge off and multiple late payments on XXXX  and that account is affecting so hard my credit score for something that I never applied for and I need that account out of my report as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit report contains inaccurate, erroneous, and incomplete information regarding [ specific account name/number ]. Despite disputing this information with the credit reporting agencies and the data furnisher, they have failed to correct or remove the inaccuracies as required by law under 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681s-2. I request the CFPB 's assistance in ensuring the removal of this account and a correction of my credit report to reflect accurate and verifiable information.XXXX XXXX shows the date of last activity inaccurate, date opened inaccurate, show as paid collections. Cant be a collections if its stating paid, date of last activity is inaccurate.. 

this is a violation of my consumer rights..
Product: Mortgage

I have had my mortgage with Sun West for almost 3 years. It has been a bumpy 3 years but i always make sure they get theirs. I contracted a life threatening case of the XXXX XXXX virus in early XX/XX/2022, and as such fell behind on my payments to a lot of creditors since i could not leave the hospital/house for weeks, including my mortgage. I made sure i paid my mortgage first and they were taken care of, and have been since. I literally could not work because of my illness, and i was caught up until that point, and they still hit me with late fees and dinged my credit for being late. Well i got them paid, and have been fine since then, however, my credit has not been. That late payment on my credit is keeping me from doing a lot of things i need to do in my life and its just not a fair or good way of looking at on their part. I reached out to them, they sent me back a basic letter telling me " better luck next time '', not in those words, but the gist of it. I know i had some transgressions the year before that, but i am not asking for a handout there, all i am asking is for some mercy in XXXX of 2022 and a removal of that late payment in particular. I was hurt by something out of my control and i am asking for the smallest amount of mercy.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I attempted to buy a computer graphics card from XXXX from someone names XXXX XXXX XXXX. This person stated that XXXX XXXX took too much money from the buying transaction and thought XXXX was a good payment form. I thought the same as XXXX goes directly through your bank. I was wrong though. It has now been 2 weeks and i called USAA ( my bank ) to get an update. Just to be slapped in the face by being told " We got a response back from XXXX saying that in there terms and conditions they can not do anything in a buyer and seller situation. So I bought a graphics card for {$450.00} through XXXX but never received the item and even tried to contact the seller multiple times but was blocked.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I received a bill for {$8.00} which did not indicate any past due balance or what the charges were for. It was such a small amount that I wrote a check and sent it in the mail and did not question it further at that time. About 7-10 days later I received a letter from the creditor that finances Best Buy that my credit line was reduced from {$5500.00} to {$350.00} on my Best Buy Citi Card ending in XXXX. I tried calling the number on the letter and I was in an automated phone trap. I tried looking up online a better number and spoke to a customer service representative after several attempts. I explained what happened and they suggested to make sure the {$8.00} payment was received to pay over the phone. I paid over the phone again for the same invoice I previously sent the check for. I informed the customer service representative I did not receive any other statement or invoice requesting payment for {$8.00}. He stated it was for {$3.00} and that was past due. I said I did not receive any bill or notice a charge was on my account or any balance was due until the {$8.00} bill that was for a second charge of {$3.00}. I did not receive any billing information since XXXX of XXXX showing my payment or identifying any new charges or activity. The credit card company proceeded to report {$3.00} as 30 days past due and reported the credit line decrease although I informed them that I did not receive any invoice previous to the {$8.00} and that I did not authorize the charges. I am a small woman owned business owner and my credit score greatly impacts my ability to do business and it also causes increase costs for insurance and interest rates, etc. I have a 27 year credit history with absolutely no late payments or any negative remarks until this. I have asked them to remove it and I am being ignored so I filed a dispute. I would like my credit history restored to excellent and my credit line restored and the unauthorized charges to stop. Any charges on my account I expect to receive the invoices/statements and that is not happening. I have also contacted Best Buy directly and notified their corporate office of my experience as a Best Buy Credit card holder and consumer/customer since XXXX and I have never had a payment late history. I was not called, emailed or communicated with until after XXXX and a full billing cycle was missed and the damage was already done. This is extremeness and their actions have caused harm to me by damaging my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan through XXXX XXXX XXXX from XXXX to XXXX. In late XXXX I lost my job and was unable to continue making payments, so I voluntarily surrendered the vehicle and was told by the creditor that the remaining amount would be forgiven. I paid off 90 % of the loan over 4 years AND gave the car back when I could no longer pay due to hardship. After the surrender, the account remained on my Transunion credit report as a closed account with a {$0.00} balance. Now all of a sudden, this month it's now showing a remaining balance of {$2800.00} despite still being closed and my credit score has dropped 40 points. I have disputed this with Transunion and I consider it fraud to add a balance to an account that's been closed/settled for 5 years.
Product: Mortgage

I have tried to make the payments on line but, I am behind on my payments and they will only let me fill out a form for hardship. If I call then there will be a fee for calling in to make the payment.I have not filed bankruptcy and would like to keep up on things when i fall behind
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$5000.00} 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 {$0.00} XXXX XXXX XXXX XXXX : {$780.00} 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: Debt collection

I have an account on my credit report from a company named " Accounts Rec Solutions '' which is also know as " AR Solutions ''. They have continued to report an account on my credit report that I have no knowledge of nor have they been able to provide specific information relating to me being the original account owner. They only respond " the account has been verified ''. I have asked for them to provide documentation relating to the verification however they have refused to this point. I have NEVER been to the account they are collecting for. I have asked them to remove the account on a number of occasions and they have refused to do so to this point. 

They have been reporting a collection of {$330.00} since XX/XX/2016. 

The contact information for the creditor in questions is ; ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Sent via USPS Certified # XXXX XXXX XXXX XXXX XXXX TRANS UNION XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern : I am writing in regard to your response to my initial request for my Full Consumer File Disclosure. My request was very specific and I provided the exact sections of the FCRA which require you to provide it to me ( see copy of my original letter attached ). Your response was insufficient in that you did not provide the Full Consumer File Disclosure as requested and you sent me a credit report, see attached. I will once again state that I am requesting my Full Consumer File Disclosure pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) to include all other such information listed specifically in my initial letter. No response by you other than providing the Full Consumer File Disclosure as required by the FCRA will be acceptable.

My initial letter was my first request for a Full Consumer File Disclosure within the past 12 months and there is no provision in the FCRA which allows you to charge me for it. I expect your full compliance with the law and for me to receive my Full Consumer File Disclosure in a timely manner as required by the FCRA. Your failure to do so will result in me initiating legal action to force compliance under the law. Your timely response is appreciated, not later than 15 days from delivery of this notice. Act accordingly.

Once again, as was provided with my initial request, I am enclosing a copy of my drivers license, Social Security card and utility bill for identification purposes. You are instructed to mask the first five digits of my Social Security Number in all writings you return to me. Please note, I am NOT requesting a credit report. 

Thank you in advance for promptly satisfying this request. Thank You. 

Sincerely, XXXX XXXX Attached : Copies of my Social Security Card, Drivers License, and utility bill and initial request are attached. 

I AM ALSO A VICTIM OF IDENTITY THEFT CAUSED BY THE XXXX XXXX DATA BREACH, SO IT IS IMPARATIVE I RECEIVE MY FULL FILE DISCLOSURE.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent account from XXXX XXXX that remains on my consumer report. XXXX XXXX purchased the debt from XXXX XXXX XXXX, which has already confirmed and removed the fraudulent account from my profile after an investigation. Despite providing proof of this, XXXX XXXX has refused to remove the account. 

The account details are : Account Number : XXXX Merchant : XXXXXXXX XXXX XXXX  - XXXX XXXX Amount Owed : {$820.00} I have attached documentation from XXXX XXXX XXXX confirming the account 's fraudulent nature and proof of its removal from my profile. I request the CFPB 's assistance in having this account removed from my report immediately. 

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

On XX/XX/2018, I filed a dispute with Transunion after filing a dispute with a collection Agency ( XXXX XXXX XXXX XXXX XXXX ) regarding an item that appeared on my credit report. The collection agency agreed to have this item deleted from my credit report and sent me confirmation which is attached that this item will be deleted due to their error. All other credit unions deleted this item based on the facts and evidence presented. However, Transunion did not and inaccurate information still remain on my credit report. Despite the being provided information from the hospital collection agency stating that this item should not have been reported.
Product: Credit card or prepaid card

For more than a year my XXXX XXXX XXXX XXXX Credit Card has been impossible to access online to make payments. I dont receive any billing notifications and when I went to customer service to set up my online access when there was an internal issue I was not helped at all. Comenity Bank runs XXXX XXXX credit cards and their online access has been a nightmare. I have a few credit cards through Comenity and very similar issues have occurred. I have had a handful of late fees because of the lack of online access and lack of billing statements being sent to me either through mail or email. Ive never made any late payments on any credit card until getting ones run by Comenity. Specifically XXXX XXXX XXXX XXXX. The online issues are still not fixed after more than a year.