23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called XXXX XXXX XXXX, as i received a court notice in the mail. As soon as i notice the court notice i reached out immediately. When i called i spoke with a XXXX She said this was from XXXX and XXXX This was the first time i was notified of any debt with there office. she gave me XXXX options to either pay XXXX XXXX and something in XXXX payments or have my day in court. I wasn't even given the payment arrangement option so i asked her if that was an option and was told yes, what can you do I explained i can pay {$50.00} a month until i looked into why my insurance never covered my visits. XXXX refuse to take my payment arrangement because it would take a year to pay off and told me to call her back later or come to court and deal with the court. She refused to take my payment arrangement. I asked for the office manager XXXX times and after the XXXX time she told me she was the office manager and still refused to help me. ( XXXX stated the call was recorded so i am sure they can verify my statement above through the recording ) XXXX  was extremely unprofessional and rude and told me she didn't have time to argue with me at XXXX ; XXXX in the morning on XXXX ( XX/XX/XXXX ). i wasnt arguing anything but trying to explain to her thats what i can afford a month and she refused payment and to help me. she told me to speak with attorny at a later time or call back in the afternoon. Again she refused the payment arrangement. It was such an unprofessional conversation on her part. Again I have had ZERO communication from them. I had to XXXX the name i received when i called the court to find out why i had a letter from them
Product: Credit reporting or other personal consumer reports

This hard inquiry is fraudulent I didnt authorize it. XXXX XXXX XX/XX/2023 please delete it from credit report.
Product: Vehicle loan or lease

On XX/XX/XXXX my husband and I signed a joint loan contract with Capital One at one of their approved auto dealers. A month later we had not been provided with additional information from Capital One in regards to our account number or how to make payments. We had however received our XXXX issued title with Capital One listed as the lienholder. I contacted Capital One on XX/XX/XXXX to obtain this information and was told that the contract had not been received and we would need to speak with the dealer. My husband spoke with the dealer the same day and was provided with documentation showing that Capital One did receive this documentation on XX/XX/XXXX. On XX/XX/XXXX I contacted Capital One again to try and resolve this situation and was told that the documents that were signed on XX/XX/XXXX had expired and we would need to return to the dealer to sign new documentation and our credit would be pulled a second time. The next day my husband and I received notifications from XXXX XXXX that their had been a new inquiry on our credit from Capital One. I contacted Capital One again today and was advised by a supervisor that the contract had expired, but the credit application had not which is why credit was pulled a second time. This contradicted what I had been told on XXXX as the representative on that call had stated that new documents would need to be signed before credit would be pulled again. Additionally Capital One stated that as the second credit inquiry had caused mine and my husband 's credit scores to drop they could not guarantee that the new loan would have the same terms as what was outlined in the initial contract signed on XX/XX/XXXX or that the second application would be approved. As a result of this error that was not caused by me or my husband Capital One will now be offering credit at less favorable terms than the original signed loan contract, or decline this second application all together.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under FCRA Section 605B ( a ), credit reporting agencies are required to promptly remove any information identified by consumers as linked to fraudulent or erroneous activities. This action must be taken within four business days of receiving the notification. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$100.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Subject : Urgent Request : Rectifying FCRA Violations in Credit Report Dear Equifax, I am writing urgently regarding discrepancies in my credit report that directly violate the Fair Credit Reporting Act ( FCRA ). Multiple errors have been identified within my credit profile, indicating a disregard for FCRA standards within your agency. 

To clarify : The Fair Credit Reporting Act is a crucial federal statute governing the collection and reporting of consumer credit information. It mandates accurate acquisition, retention, and dissemination of a consumer 's credit data, along with transparent information sharing with consumers. 

Instances of FCRA violations include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies combining individuals ' information due to name or social security number similarities. 
Agencies neglecting prescribed protocols for handling disputes. 
My rights under the Fair Credit Reporting Act include : The right to validate the accuracy of my report, especially for employment-related purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The ability to dispute and request the rectification or removal of incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items clearly violate FCRA standards due to inaccuracies, lack of verification, and persistent errors. Their inclusion has caused significant distress, notably resulting in my recent credit denial due to errors originating from your agency. 


1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

2. XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

3. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

4. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

5. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

I expect prompt action to rectify these violations within the FCRA 's stipulated timeframe. Failure to comply will unfortunately compel me to pursue legal measures to protect my rights under the FCRA. 

Sincerely, XXXX XXXX
Product: Debt collection

This collection company has place deceptive information on my credit report for an account that they do not have jurisdication or license to collect and have not proven that the debt is mine.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, 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. These accounts KEYBANK  NA XXXX  account number starting with XXXXXXXX XXXX XXXX XXXX account number starting with XXXX are incomplete and acurrate. 

And one more thing according to 15 USC 1681s-2 A person shall not furish any information relating to a consumer to any consumer reporting agency if the person knows or her reasonable cause to believe that the information is accurate.
Product: Debt collection

This account is not 100 % accurate. This account consists of fraud. This account is not validated, I ask for a contract with my name in wet signature form, that wasn't presented. I asked for validation of proof and that was a failure. Someone breached my information and apply for this company without consent and. I do not owe Resurgent Receivable no amount, Nor, do i have any business with them. This company is committing fraud by having my information without me knowing. Rule 1002. Requirement of the Original, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692j - Furnishing certain deceptive forms, 15 U.S. Code 1692h - Multiple debts, 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code 1692e - False or misleading representations, and mail fraud. 

XXXX XXXX XXXX charge the account off but didn't issue me a 1099c form. If any debt is discharged to the IRS it should not be on my credit report still reporting active or displaying on my report legally. especially, if the account is not validated with a wet signature on a contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified.

In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by aconsumer, an item of the information is found to be inaccurate or incomplete or can not be verified, theconsumer reporting agencyshall ( i ) promptly delete that item of information from thefileof theconsumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from thefileof theconsumer. 

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. 
Information on the consumer report must maintain Maximum Possible Accuracy. 
Accuracy means- correct in all details ; exact 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever aconsumer reporting agencyprepares aconsumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The details of the accounts are inaccurate they are not exact in details and amounts. 

( XXXXExperian XXXX XXXX XXXX you shall comply with the FCRA 15 USC 1681 YOU ARE SUPPOSED NOTIFY ME AND YOU FAILED TO DO SO!!!!!!! 
( 6 ) Notice of results of reinvestigation ( A ) In general Aconsumer reporting agencyshall provide written notice to aconsumerof the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by theconsumerfor that purpose, by other means available to the agency.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

After connecting with an online dating site and months of texting, and ultimately sending money to this woman, once the situation finally got to where I realized too late I was in a scam, the last " payment '' I made to this woman 's " attorney '' who was helping her, it involved payment of $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I realized too late this wasn't real. I supplied this " XXXX money '' via a cash advance from my US Bank credit card. This was onXX/XX/XXXX. I filed the fraud complaint the next day as I recall. At any rate, with much " back and forth '' via mail, they still refuse to honor the so-called " zero fraud liability '' that these companies brag about. I even produced an actual email from THE XXXX POLICE department that this fraudster supplied to me an otherwise realistic looking XXXX XXXX. The officer said it was a fake. The XXXX. company still refuses to budge, even after I sent them that. They actually gave me this perps name and phone number, of whom I called, but kept getting voice mail and no return call. They did have the same name, XXXX XXXX, as this scam girl also claimed was this ( so called ) attorney 's name. I tracked down this guys address, it's a XXXX XXXX. I provided that to them also ... and even asked if not accused them of not even ACTUALLY making a REAL contact with this said XXXX XXXX. On XXXX searches of course there's mutliple XXXX XXXX, and the one from my " scam perp '' was supposedly with a law firm in North Carolina. I discovered it too IS FAKE. " Her XXXX XXXX '' XXXX is white, the one that US Bank Credit card provided is BLACK!! I sent pictures proving it. These two perps XXXX also bilked me out of over $ XXXX over the period of about 6 months before XXXX me realized what was going down. ( that's yet another unresolved issue separate from this. I have a Scam Payback company assisting here ). I complained to US Bank itself for some sort of " relief '' and they too have not done anything, and never will. I thought there was supposed to be " some sort of protection '' supplied to otherwise unsuspecting people when dozens upon dozens of transactions being made to the same person in such a short time. Oh well. I do own my actions, but this last $ XXXX fraud I guess was my last straw. Since my phone number is required, I would also like to advise that what with all the scams and phishing going on, I DO NOT answer any number not on my contact list, so if you or anyone involved here make a call, it will go to voicemail so a message must be left on it for me to return the call. I see below docs can be attached, however in my case they're all on my phone, and I did send them to the credit card company anyway.
Product: Mortgage

Chase Bank refused to participate in the HARP program, which would have provided me a mortgage reduction that would have changed my property from its current negative status to one with equity. The alternative they offered prevents me from borrowing any money on my home or participating in a reverse mortgage program. They reduced it on this end, but they are holding me hostage through a balloon payment due in the future. The original mortgage was XXXX. They are reducing it by XXXX per year over a three year period. However, there is a XXXX balloon payment that will bring the mortgage back up to over XXXX which is all the house is worth. They postponed the debt ; they did n't erase it.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years. I have been asking for the permissible permission used to access my credit report in XX/XX/2017 by Experian for XXXX XXXX XXXX XXXX / XXXX  XXXX. I have yet to receive.
Product: Debt collection

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX Has been submitted fraudulent information and consistently has accessed my credit report and submitted negative reports to severely damaged my credit score multiple times without my permission authorization or knowledge consistently through multiple different companies that I have no knowledge of and have made threatening calls and contact that it would repeatedly submit false reports and information to dramatically affect my credit score I have told them on numerous occasions that I have no knowledge of these accounts and soon as I stated that they would illegally access my credit report without my consent and permission and submit negative information causing my credit score to drastically drop
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries:
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 reporting or other personal consumer reports

RE XXXX XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
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 XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Debt collection

Originally been disputing this debt for XXXX with XXXX since XX/XX/XXXX. I contacted XXXX that the account is a fraudulent account and it is not mine. XXXX added the collection that was previously on my report updated as a NEW account and my credit score dropped 38 points. I contacted a XXXX and was told XXXX sent the collection to Aargon Collection Agency ; which they noted and did not contact me a request for me to verify the debt. This collection was filed on the FTC report and which was faxed to XXXX thats when the turned over to the collection agency after I have disputed the account which is a XX/XX/XXXXaccount
Product: Credit card or prepaid card

My father had a catastrophic health event on XX/XX/2019 and is now completely incapacitated. He is severely XXXX  and XXXX   XXXX now and does not even know who he is. He is in a long term care facility and still might not survive. I have full Durable Power of Attorney. I have had no issues with any account of my fathers including his bank, other credit cards, the IRS, XXXX, etc. They complied with the POA request and allowed us to control and/or close all of his credit cards. The exception has been Capital  One. The card was paid off by us, and we have requested that they close the account by fax on XX/XX/XXXX and XX/XX/XXXX and over the phone multiple times starting the XXXX week of XXXX all this year, but they refuse without speaking to my father who cant speak. Now today I got a bill via email from them for the annual credit card fee. I have removed payment information but this is getting to be a little bit ridiculous. We just want them to close the account. I have faxed them multiple times and called them multiple times but they refuse. Can you please help with this?
Product: Credit reporting or other personal consumer reports

Hello By law, student loans should not report to any credit bureau. 

According to the FCRA, 15 U.S. Code 6802 b ) Opt out ( 1 ) In general 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 I should be informed of my rights. Under the Gramm Leach Bliley Act you have a right to opt out getting your nonpublic personal information shared with a non affiliated party. All three bureaus are non affiliated three parties. My rights have been violated as I was not provided with the Opt out disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX started my disputes with trans-union on XX/XX/XXXX and since then have sent more letters ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) disputing various items on my account. Some have been deleted upon not being able to verify but others till remain and have not shown proper verification under the FCRA rules and regulations namely : XXXX XXXX and XXXX XXXX XXXX. These items need to be deleted as they have not been able to verify with supporting documentation the validity of the debt. 

XXXX As with XXXX, I sent request for validation of the debt on my credit report and no proper documentation under FCRA rules and regulations have been submitted to me justifying the debt. Namely : XXXX XXXX and XXXX XXXX XXXX and XXXX funding. These items need to be deleted as documentation establishing validity have not been submitted as requested. 

EQUIFAX AS with both XXXX and XXXX, items on my credit report were disputed and supporting documentation requested was not submitted. namely : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. These items need to be deleted as documentation establishing validity have not been submitted as requested. 

XXXX XXXX : These Company which allegedly hold a capital one debt in my name hasnt been able to supple subsequent documentation to validate the debt under the fair credit reporting act and has reported to the credit collection bureau without proper validation. And thus needs to be deleted from my credit file. 

In Closing all these companies have been given ample time to validate the debt on my file with supporting documentation and have failed to do so. 
Im hoping to resolve this matter with a deletion from my credit file as these items have caused me some distress. 
Thank you