23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I found out there was a collection account from Sunrise Credit Services on my credit report and submitted a dispute with the XXXX credit bureaus on XX/XX/year> which XXXX closed on XX/XX/year> stating the creditor had provided verification that the debt was owed to them. I haven't checked the others today. 

I never received any information on this debt from Sunrise Credit Services. No messages were ever left on voicemail from any number stating it was an attempt to collect a debt or identifying the company. I have received nothing in writing either in email or via XXXX. I learned today that they are required, by law, to provide something in writing within 5 days of first contact. There has been no contact so how can they ruin someone's credit without any contact, notification, or validation? 

Once I learned the name of the collection agency, I sent a letter requesting a debt verification in XXXX using the address I found online of XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. I have received nothing from them. 

I am sending another letter via certified mail but am incredibly upset that they are able to put something on my credit report without ever reaching out to me to validate the debt. I do not even know what the debt is for other than it is {$280.00}. I have not defaulted on any of my credit accounts. It is such a small amount, I would have paid it if I were contacted and knew I owed it.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding inaccurate information on my credit report provided by Equifax. I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 


Inaccuracy # 1 : XXXX XXXX Account Number : XXXX Description : This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 


I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies. 

This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies. 
2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts. 
3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting. 
4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs.
Product: Student loan

I have been trying to repay my loan quickly with no help from Navient ( XXXX XXXX ) whatsoever. I keep asking how I can bring my interest rate down or pay towards my principle with no answers. Every time I call I either get redirected or told that there 's no easy way to do that or that they ca n't help me. I have been paying it for over six years, owing almost the exact same amount. I have never stoped paying and have been on top of paying extra but it just says they will apply it to my next payment. They also raised my interest rate without telling me after I signed up for automatic payments. They lowered the automatic payment amount when I had set it above the minimum. Now my interest is at 8.35 % and they said they can raise it whenever they want. I 'm not sure how much longer I can keep paying this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft that started in 2014, here we are 6 years later and I am still fighting. I have sent in my FTC report, my signed paperwork from a judge and now I will be attaching today a new and updated police report ( this is my 3rd in 6 years ). While Experian had handled the fraud and identity theft much better that the other two reporting agencies they are still reporting some major things that do not belong to me. I am so confused on how I can send in court paperwork, legally signed by a judge clearly stating these accounts are not mine but yet they remove them and then add them right back on or send me a letter stating maybe I reported these in error. NO!!!! MY LIFE AND THE LIFE OF MY CHILDREN HAS BEEN DESTROYED BY THIS! If a court order and a police report clearly telling you these are not mine are not good enough then what is. What they are doing is illegal. They are just as guilty as the person who stole my identity at this point in time. They know these accounts are fraudulent and yet they still keep them on ther
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of human trafficking, specifically debt bondagewhich falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXXXXXX XXXXAccording to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from hXXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently did an investigation into my credit report and found several items on there to be inaccurate. 

15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. According to the aforementioned code, consumer reporting agencies are obligated to follow reasonable procedures to ensure the maximum possible accuracy of the information pertaining to individuals in their reports. It is evident that this obligation has not been fulfilled in my caes. Furthermore, under 15 U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information, it states that if, after any reinvestigation, disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must prompty delete or modify that information based on the reinvestigation results. 

XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Okay so I had my bank account closed from spring bank last year, due to fraud I told the kn estimator that it was not done by me, and he accused me of putting the fake checks in my bank and told me to pay, I refused to pay and it seems like they have fclowed down my account and have send my information to early warning services, now that I have trying to open a bank account through XXXX and XXXX they are saying that I have a red flag, I need this red flag removed by early warning services.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( XXXX XXXX XXXX  ) It has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).
Product: Credit reporting or other personal consumer reports

I am surprised to see my credit scored decreased for an account I did not open as reported by XXXX XXXXhere is the report on credit karma below Account Opened New XXXXXXXX XXXX XXXX XXXX account detected Between XX/XX/XXXX and XX/XX/XXXX, your account with XXXXXXXX XXXX XXXX XXXX was added to your report. This account was opened on XX/XX/XXXX. 

Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. But with on-time payments and responsible use, your score may actually increase over time.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/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 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 receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following accounts : A personal credit card account opened at XXXX  XXXX XXXX under account number XXXX, with a total fraudulent amount of {$5700.00}, discovered in XX/XX/XXXX. 
A personal loan account opened at XXXX XXXX XXXX under account number XXXX, with a total fraudulent amount of {$2900.00}, discovered in XX/XX/XXXX. 
A credit card account opened at XXXX XXXX  under account number XXXX, with a total fraudulent amount of {$9800.00}, discovered in XX/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 ( including XXXXXXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX ) 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Regarding Incorrect Reporting and Handling of Bankruptcy Dear TransUnion Dispute Department, I am writing to formally dispute the reporting of a bankruptcy on my credit report, as reflected in my TransUnion credit file. This entry is inaccurate and has not been verified correctly, contrary to the requirements of the Fair Credit Reporting Act ( FCRA ). Furthermore, I did not request to close the dispute, and I am concerned about the misrepresentation of this matter. 

Details of the Issue : Account/Item in Dispute : [ bankruptcy ]. 
Reason for Dispute : The bankruptcy information on my report is inaccurate and unverifiable. 
Misrepresentation by TransUnion : Your records incorrectly state that I requested to close the dispute. This is false, as I have made no such request. 
Violations of FCRA : Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they report and to properly investigate disputes. In this case : TransUnion failed to verify the accuracy of the bankruptcy entry. 
TransUnion inaccurately documented that I requested the closure of the dispute, which is misleading and untrue. 
Actions Requested : Provide documentation to substantiate the reported bankruptcy, including verifiable court records. 
Correct the inaccurate bankruptcy entry immediately if no valid proof can be provided. 
Remove any notes or statements from my credit file falsely indicating that I requested to close the dispute. 
Provide written confirmation of the resolution of this matter. 
Please consider this letter as a formal dispute and a request under the FCRA for re-investigation of the disputed item. I expect a prompt and thorough review of this matter and compliance with all legal obligations, including providing me with the results of the investigation within 30 days of receipt of this letter.

Failure to comply with FCRA requirements may leave me with no choice but to pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies.

Thank you for your prompt attention to this matter. I look forward to your response and the immediate resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and definitely being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

Venmo has frozen my account, as well as the funds in it, leaving me with no way to retrieve my funds. 

My account is frozen because I closed my bank account, at the suggestion of my bank, after falling victim to a scammer. Venmo is aware of the scammer, but has not taken any action against him. 

I think that it is illegal for Venmo to hold my funds without any way to retrieve them. If Venmo wants to go through the collections process to retrieve the funds from the scam, then I would understand that. I am just asking for the funds that are currently in my account to be released.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX. XXXX, GA XXXX Dear Equifax Information Services LLC , I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Furthermore, as you can see from the information above, your agency is not reporting accurate information. 
According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} 2 Defamation of character {$1000.00} 3 Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} 5 Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies XXXX XXXX Equifax, XXXX XXXX and the Creditors ( XXXX XXXX XXXX XXXX ), XXXX XXXX  XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im in the process of buying a home and found fraudulent accounts from DEPTEDXXXX  on my credit report in XXXX so I disputed them. The credit bureau did not conduct an investigation. I called twice and both of the customer service representatives told me that they refuse to investigate because there were several payments made on the accounts, so the DEPTEDXXXX accounts are mine and will not be remove. This credit bureau violated the Fair Credit Reporting Act! This unlawful conduct has cost me a lot of stress and financial hardship. 

The DEPTEDXXXX tradelines on my credit report are fraudulent, inaccurate and incomplete. 
I do not have an account with DEPTEDXXXX DEPTEDXXXX accounts have no alleged credit limit, no terms, no scheduled payments and have an incomplete name or a not an actual entity. 

DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX  account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX CFPB please require this credit bureau to abide by FCRA and conduct a through investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX. I use their profile to monitor my scores etc. I tried to cancel a loan offer from their website & was told I could not. I was told I had to wait until the proceeds were deposited. I explained I wanted to cancel the loan. I wanted to close my checking account but my bank said not to. XXXX XXXX offers the worst predatory loans.
Product: Credit card or prepaid card

I had missed placed my old car and I need a replacement card.
Product: Credit reporting or other personal consumer reports

I am writing to express my outrage and formally dispute the late payments reported on my XXXX credit report for the months of XXXX and XXXX of 2021 on my Capital One account, number XXXX. This unauthorized reporting of late payments is not only incorrect but also a direct violation of my privacy rights and applicable consumer protection laws, specifically 15 USC 1666b.

**Violation of 15 USC 1666b** Under 15 USC 1666b , creditors are mandated to provide timely notice to consumers at least 21 days before the payment due date. I did not receive such notice, making these late payment reports not only invalid but also illegal. The lack of proper notification has directly resulted in significant and undue harm to my credit standing. 

**Demand for Immediate Action** I demand the immediate and unconditional removal of these erroneous late payments from my credit report. Capital One 's failure to comply with 15 USC 1666b has caused unwarranted damage to my creditworthiness, affecting my ability to secure credit, employment, and other financial opportunities. 

**Privacy Violation** Furthermore, this account information has been reported to XXXX without my explicit consent, infringing upon my right to privacy. The unauthorized dissemination of my financial data is unacceptable and must be rectified without delay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX AND XXXX XXXXL ARE IN VIOLATION 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Debt collection

This has been the 4 debt collector Trying to make me pay a debt that I don't owe. i have dispute the same XXXX account 3 times Through the credit bureau and it was dismissed. That information keep getting sold to another debt collector harassing me.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I spoke with experian agent on the phone about this account, they were rude a refuse to answer my dispute also disconnected to line on purpose.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. XXXXXXXX XXXX || Date of inquiry : XX/XX/XXXX. XXXX XXXX || Date of inquiry : XX/XX/XXXX