23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I did not consent to having my medical and personal information outed, this debt being sold to a collector is legally no longer my debt. 
In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC16814.
Product: Credit reporting

I am a victim of identity theft and someone stole and used my personal information to open a XXXX Checking Account : XXXX and Money Market Rewards Savings Account Ending in : XXXX, The accounts are fraudulent, unauthorized and do n't belong to me.
Product: Credit reporting or other personal consumer reports

I demand the swift deletion of this unauthorized inquiry from my credit report, as its adversely affecting my ability to secure financing and access credit opportunities. Additionally, I expect prompt confirmation or relevant supporting documentation once this issue has been rectified. 
XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XX/XX/2025
Product: Debt collection

Disputed this account on all three credit bureaus and asked for validation ... .not address verification. 
Asked for chain of title if account was purchased from another country. 
Asked for " itemized '' breakdown of all charges, interest, fees, penalties that result in the alleged amount owed. 

I received nothing back from them except a XXXX bill that clearly does not show any of this. And also proves that I DO NOT have an account or obligation to Diversified Consultants. 

I asked that this be removed from all 3 major credit bureaus and all collection attempts be ceased.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

CREDITOR BUSINESS TYPE INQUIRY DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Transunion needs to remove these fraudulent inquiries off my credit report I did not authorize anyone to use my credit, please remove these fraudulent inquiries immediately, I am a victim of identity theft, Im filing this complaint because my credit report was used with out me knowing, I want these remove, Im sending a screen shot of all the hard inquiries on my report, do not put no fraud alert I just want these inquiries to be processed immediately and removed thank you.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them
. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit card or prepaid card

XXXX XXXX I bought a XXXX smart phone at a XXXX store. I told the clerk I needed to connect to internet on multiple devices, including streaming XXXX. She sold me an unlimited data plan to meet my needs. When I got to my son 's home I looked at the papers the XXXX clerk gave me and noticed there was no invoice detailing the service -- such as how much data, when I would be billed, for how much etc. There was only a receipt for the phone itself. I immediately called the store to complain about this and was told the store would be closing in 30 minutes -- not enough time for me to go back there to get an invoice. The next day -- Monday -- my grandkids visited me so I could not go to the XXXX store for the invoice for services they neglected to provide. On Monday I attempted to use the phone 's data to connect to the internet on one device and also connect to netflix using firestick on my TV. I was able to connect to either one or the other using the XXXX 's phone hotspot but I was n't able to connect to two devices at the same time. I owned a {$25.00} smartphone that comes with a limited amount of data per month. With this really cheap phone, I am able to connect to both a laptop and watch XXXX on another device AT THE SAME TIME. So I know what 's possible and I dispute the XXXX clerk 's description of the XXXX XXXX as a " high end '' phone if it ca n't do what my cheap phone CAN DO! 
On XXXX morning, less than XXXX hours after I bought the XXXX phone, I returned it to the XXXX store where I bought it, citing the reasons given above. The clerk said he would refund {$1.00} to my XXXX card mastercard but would charge me a {$50.00} restocking fee. I asked why and he said because it was a high end phone. I consider iphones to be high end phones. I pointed out that the XXXX phone did not perform as was promised and was not able to do what my super cheap smartphone can do. I told the clerk I would dispute the {$50.00} restocking fee with the credit card company. I did dispute the {$50.00} restocking fee. XXXX issued me a credit on my next statement, but now the full amount of {$51.00} AGAIN appears on my XXXX card statement. Furthermore, the sales clerk I returned the phone to lied right to my face. He told me XXXX would " waive '' the {$5.00} data charges I incurred for the incredibly short time I had this phone, but XXXX actually did charge my XXXX card {$5.00} for the data. I did n't dispute the {$5.00} data charges because I actually used a small amount of data.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXXEquifax and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the XXXX parties. Per FCRA, reporting must be XXXX XXXX accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX 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

This will be my last attempt at contacting Equifax about this account that keeps reporting on my credit report. I have sent 7 certified letters to Equifax showing PROOF that this particular account is NOT mine and you would think after their security breach which i was apart of and NOT happy about that they would take this matter seriously! But Equifax chooses not too. I want to know who is actually verifying this information? Because from the looks of it no one is! XXXX? It's obvious from the looks of all the incorrect information that XXXX is NOT a proper way of verifying a account. I have given Equifax a certified letter straight from the horses mouth that this account is NOT mine. As i said above this is my last attempt until i file small claims for this and will be awarded knowing this account you report is bogus.
Product: Student loan

My loans/payment during that was serviced by XXXX  XXXX transferred to Direct Loans then again to its final destination FedLoans. My payment history only goes back to XX/XX/XXXX! I finished undergrad XX/XX/XXXX. Started Grad XX/XX/XXXX I have always been qualified bc I worked for DOJ and XXXX XXXX to present date. However I have no history of payments from XXXX. I am unable to retrieve even XXXX transcript from that far due to XXXX own regulation, not my tax preparer has copies. Im also unable to find HR to even verify my DOJ employment with a signature. All I have is my XXXX of service that may not be acceptable to verify my employment. XX/XX/XXXX, sent request for XXXX request of payments, hoping it goes further than Dept education records which stops at My bank from that period is obsolete, bank has been closed or bought out ( XXXX XXXX ). I have no record of payments. 

Direct Loans is not even in business to retrieve payment history. I dont see how my payment history would not be transferred to FedLoans ( XX/XX/XXXX ) even after I was in XXXX in XXXX to receive accurate counts. I had put too much trust into system to keep tracking for me-my mistake. 

Its disadvantageous years of payment to not receive credit. I was not aware these payments were not counted due to a knowledgeable group of people helping others voluntarily to go thru this process -now that the Temporary Waiver XXXX rules have changed and we can receive retroactive payment counts prior to our enrollment. XXXX of old records I can not retrieve I have overturned as much as possible. Not sure I can get assistance finding this information. 

Also, I was put into a few deferment and forbearances XXXX being a time I was still working and going to school XXXXXXXX XXXX, making student loan payments. I did not request that deferment bc I was still able to make payments. ( XXXX ) I think my loans were with XXXX. 

Economic Hardship Forbearance I recall speaking with Fedloan rep asking of a lower payment due to being on XXXX XXXX XXXX, XX/XX/XXXX. However I now know, it was possible to be qualified for {$0.00} payments or lower than my monthly, I was told NO other payment option under their plans. I was placed on general forbearance. I could been in compliance with my XXXX payment track to XXXX.
Product: Debt collection

XXXX XXXX XXXX called me with a great new offer. I asked several times for agent to repeat the offer and even had my sister-in-law verify. This has been several years ago so I can't even recall all the details. If we changed to XXXX XXXX XXXX  we could bundle XXXX and cell phone service AND get a {$700.00} credit spread out over the next several months. XXXX! Sounds great. So we switched. When the bill came there was no credit. When I called XXXX XXXX XXXX they said no, the credit was only if we got a new phone. I didn't need a new phone! No one needed a new phone and no stipulations were made about having to buy a phone! I was so peeved I switched immediately to another cell phone provider and dropped XXXX as I would have nothing to do with XXXX XXXX XXXX any longer. I tried complaining all the way up the XXXX XXXX XXXX chain of command to no avail. No one even acknowledged my complaint. XXXX XXXX XXXX started sending a bill for {$51.00} remaining on my contract. I sent back all their equipment. They must have sold the debt even though they insisted they did not. The DEBT COLLECTOR KEEPS OPENING UP A NEW ACCOUNT EVERY QUARTER WHICH DINGS MY CREDIT SCORE EACH TIME. I once offered them {$5.00} to go away but no deal and I am not paying {$51.00} for a debt that should never have happened had XXXX XXXX XXXX more closely scrutinized the off-shore trollers they employ.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days after XXXX XXXX XXXX Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I reviewed my statement for the month of XXXX. My rewards balance had dropped by XXXX points. I contacted the credit card company. They agreed there was a fraudulent break into my account and rewards were used. The email address used was a fraudulent address. I was reissued a new card and told the points would be restored to my account. Upon receiving the new card, activating the new card, the missing points were not on the account. Upon contacting the card company again and talking to a supervisor, I was told it would take up to 90 days to review the claim, the first information would not be available until XX/XX/XXXX and the supervisor informed me that he could not sent me written or email confirmation of the conversation we had about the problem. This is unacceptable business practice. Please advise.
Product: Vehicle loan or lease

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX XXXX balance {$24000.00} account # XXXX 30 days late in XX/XX/2020, and XXXX 2020.
Product: Debt collection

I called around the XX/XX/XXXX, to start making payments since I was unable to finish the course. I spoke with XXXX and explained to him that I could only pay XXXX dollars a month, and I would continue paying that amount until it 's fully paid. I further asked if my payments could post to my account? And to taken out of the past status on my account. XXXX explained that I had to pay more than XXXX dollars but I had to pay XXXX exactly. I asked why? When the course was only XXXX dollars? He explained that with interest I now owed XXXX. He further explained that I would be forwarded paperwork that I had to sign and when I signed the paperwork and made my first payment my credit reports would reflect current status. Since I only get paid once a month the payment was supposed to post XX/XX/XXXX. I must explain that my billing comes from XXXX XXXX XXXX ; but when the money was taken from my account it showed XXXX XXXX XXXX while seemed fine. Until on the XX/XX/XXXX it withdrew XXXX three times, then on XX/XX/XXXX, totaling XXXX. To be withdrawn and causing my financial downfall. I called XXXX everyday until I was able to speak with him on XX/XX/XXXX. He voiced his concern and explained that he made a mistake and marked daily instead of monthly. He said my money would be refunded within 4 business days and any overdrafts. It took four days but shortly after I spoke with XXXX and he explained that I needed to sign another contract, and this time my credit report would be updated and in order for my late fees to be paid I had to send in an email.
What XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX did not realize was that because of their mistake my XXXX credit card was cancelled because each time they attempted to collect their payment it was not there because of the aftermath of their mistake. My cellphone has to be paid in cash only because their payment was rejected so many times.
I have went on their website to make a payment but a statement explains that I need to use the mail in method. I have also shown proof to the credit bureau that i was paying and had them removed from my credit report, only to have them placed back on their in two days with no warning or 5 day notice.
Please help me get rid of this financial, credit nightmare.
Thanks for your time, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts :, GS BANK-GM number : XXXX date XX/XX/year> XXXXFurthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the collection account ( XXXX XXXX XXXX XXXX ) with Experian in XXXX of 2020 whereas Experian said the debt was valid. I disagreed and contacted the debt collector ( XXXX XXXX XXXX XXXX ) directly in writing on XX/XX/2020 demanding and under XXXX XXXX they had 30 days to validate the debt and provide me the supporting documents from the original creditor. The debt collector did not provide me any supporting documents to validate the debt after 30 days thus the debt is no longer valid and doesn't exist. I forwarded the written request and provided evidence and documents that the debt collector did not response and requested Experian remove the item and they refused. Because this item is impacting my ability to find affordable housing its urgent it is removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX A XX/XX/year> XXXX XXXX XX/XX/year> Late Payment XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I bought what I thought were three canopy sets from XXXX using my PayPal credit card. When I received the items, I realized that they were not sets but covers. I contacted XXXX and asked for a refund of {$140.00}. They responded favorably by sending a return label and indicating that the refund might take about 30 days. I went to the Post Office and mailed it with tracking and paid {$58.00}. Later, I realized that the enclosed return label XXXX XXXX XXXX XXXX XXXX XXXX which was associated with my return was NOT used, instead because I paid out of pocket in error, XXXX XXXX XXXX XXXX XXXX XXXX was used. However, the tracking showed that XXXX had received the package. The transaction ID was XXXX and the Product ID # XXXX and return id XXXX. PayPal immediately processed my refund but days later reversed the charge. Because I complained and escalated my complaint with PayPal, we went back and forth with credit and reversal four times. On my last complaint with PayPal - XXXX XXXX, I was assured that that reversal will not happen again. The communication between PayPal and XXXX was never shared with me. I wrote several times to XXXX  and they used very derogatory language to explain my attitude. It should be noted however that I had bought several items from XXXX in the past without incident. In my last communication with XXXX, in which PayPal offered an email of XXXX, I laid down what I taught was an easy trace find for XXXX  to do to associate the tracking which I used to the return label tracking which they had sent. XXXX  has not bothered to reply. While PayPal has increased their harassment of me to pay up. I told them I can not pay because they have done nothing in my view to have XXXX  do a little research on their side, and I paid {$58.00} out of pocket to return the items and I am NOT in possession of the goods. I just want my money back.