23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Filed disputes through XXXX XXXX and explained and all i was sent back was that eveything was right to them, and stuck them on my record for collections and real bad derogatory marks that are hurting me financially. Ive been trying to figure out whos stolen my identity and its very hard im spending what little money i have left to try and get my life back. It took me XXXX amd a half years just to get my credentials back to find out ive been getting my credit abused and its like they don't care how much you struggle they just hit a button and keep going on about their day.
Product: Debt collection

On XX/XX/year> National Credit systems opened a file on my credit report and i was super confused and they just started a series of calls every single day for me to pay a debt that that they won't even prove that is mine they continue to report on my credit file and it's hurting me in the sense that i can't get approved for anything and emotional because they still call me daily but won't provide a debt validation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom may concern : i have been trying to get this item off my credit report for months now. This account does not belong to me it shows as a authorize user. I tried calling the credit card company they cant removed it unless i know the password. i keep advising them i don't even know the person or the address that is affiliated with the account, so can you please looking into the account for me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these ITEMS in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following ITEMS need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX  XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00}
Product: Payday loan, title loan, or personal loan

O have tried 6 times to make a hardship application and they have pull my credit and started paying them theXX/XX/XXXXand XX/XX/XXXX of each month and cant paid the full amount in full and they keep canceling my application with out a good reason. Im doing everything on my end and show them all my income and account and cant keeping doing payments and they are reporting that I have not do a payment for months and it not true. Should I get a bankruptcy or else. They are just not giving me a alternative. I havent get a letter or anything for the last 30-60days. From PenFed
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/18 I attempted to dispute ownership of credit card online only to be instructed AGAIN to call Experian fraud security. Last week several times representatives were either unable or unwilling to connect me to proper dept. to correct bureau error. 
Under the FCRA I'm afforded the right to dispute by any contact means, including online, which is encouraged as a convenient alternative to phone, which bureau can not process.
Product: Credit card or prepaid card

BBVA VISA credit card assessed late fees after pulling auto pay offline with no notice to consumers. XX/XX/XXXX late fee of {$14.00} then XX/XX/XXXX additional late fee of {$28.00}. 
XX/XX/XXXX an adjustment of {$28.00} which did not refund interest accrued on all late fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX TransUnion, XXXX XXXX : Consumer Dispute Department XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Inquiries in Accordance with Federal Trade Commission ( FTC ) Regulations Dear TransUnion Dispute Department, I am writing to formally dispute the presence of multiple unauthorized inquiries on my credit report, which have been added without my consent and in violation of federal law. Attached is a Federal Trade Commission ( FTC ) identity theft report as evidence supporting my claim. 
The following inquiries are unauthorized and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries were not initiated by me, nor did I provide consent for them. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to have unauthorized inquiries removed from my credit report. 
Please investigate this matter promptly and remove the above-listed inquiries. As per the FCRA, you are required to provide me with the results of your investigation within 30 days. Failure to act on this dispute may result in further legal action.

Attached to this letter, you will find : 1. A copy of my FTC identity theft report 2. A copy of my drivers license for identification purposes 3. Supporting documents verifying my claim Please confirm receipt of this dispute in writing and inform me of any updates via mail at the address listed above. 
Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX 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 XXXX XXXX XXXX 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

In XX/XX/2022 I noticed 2 charges for XXXX had gone through on my credit card ( automatic, reoccurring charge ) for XXXX and XXXX. I do not have a XXXX account. I called Discover and explained, they assured it would no longer go through. 

It went through again for XXXX so I froze the account and ordered a new credit card. 

The new credit card came and Discover CONTINUED to let the charge go through as it was a reoccurring subscription charge. 

In XXXX I called again, and filed a fraud dispute and asked for the money to be refunded and the card NOT allowed to be charged by that merchant again. The dispute case was resolved and they refunded three of the charges ( 5 total charges ) since you could only file the dispute online attached to each individual charge. 

I thought it was solved, but again in XXXX the charge went through. I called again. I was assured this time it was solved. 

BUT in XXXX it went through AGAIN. Spoke to another individual who enacted a feature on the card that will prevent any and all subscription services from pulling automatic payments. Unfortunately Discover does not offer any confirmation numbers, or email receipts of these conversations nor do they have a way to contact them in email so you can have written documentation. However, these conversations and notes are associated with my phone calls and when I call agents are able to look at the prior conversations. 

At this point I just needed the charges to stop - Discover has not refunded the money, but I just wanted it to stop. XXXX has NO record of this card ever being associated with an account. 

In XXXX, the card was charged once again. I just called today and was transferred about with no solution and no refund. 

At this point I have gone to Discover to fix it multiple times so it is time to pursue another avenue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is an account that is erroneous. I don't recall the exact scan or  procedure, but it occurred during a time when i had health insurance and it would have been paid by that.
Product: Credit card or prepaid card

Contacted Capital One Credit on XXXX XXXX, 2017 regarding denying my access to online banking account to pay my credit card bill. I tried to access my credit card account with the same user id and the same password as I have always used and was denied further access to look at my credit card account information unless I provided my income information and employment status to the company. After calling the company and speaking to a representative and an IT technician I was told that I must provide this information in order to have access to my online account to pay bills. I was never notified by Capital One of this policy change and that unless I provide such information to them I would no longer be able to pay my credit card bill online in the future. As I was told the information is needed for security purposes and identity purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts 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 accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Product: Vehicle loan or lease

I purchased a vehicle and the loan company was bridgecrest it was in XX/XX/XXXX the loan was for 47 months last payment was given onXX/XX/XXXX I finished paying the vehicle the loan was for {$10000.00} dollars the monthly bill payment was {$320.00} a month they say I owe them XXXX dollars I owe nothing they would not report to the credit Bureaus all the months I payed even when late due to trying to fix the vehicle since purchasing it the vehicle was always broken it stopped working after 12 months and I still continue to pay it it was parked in the front without using this is affected my credit I tried to dispute and speak to them they wont
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was at risk after the data hack of Equifax. I had spent 3 hours on the phone beginning XX/XX/XXXXto freeze my credit. I was hung up on twice, and the third time told I would have to pay them to put an alert on my account for fraud, as well as to freeze it, despite statements made by Equifax that it would be free. At XXXX years old, I have a XXXX credit score, and now, due to their lack of due diligence, my hard work could be completely stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXransunion has me at a score around XXXX That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

This has been happening since i was a child, someone using my information. My parents filed for me and i filed id theft reports in XXXX, XXXX and XXXX you are requesting documents that were sent years ago to XXXX and XXXX Bank, XXXX XXXX XXXX and others here is the latest. 
You are requesting documents that were sent years ago and before you acquired this case. 

This letter serves as notice to you and your company to immediately cease and desist all contact and communication with me AGAIN regarding the collection of an alleged debt and all related matters. Unless you have absolute proof and not printouts of BILLS as proof. 
a telephone call a letter an email numerous telephone calls and messages in one day numerous calls on the home, cell and work phone You claim that I owe debt. I do not owe this debt, and I dispute this claim. ) Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692, I demand that you and your company terminate all further contact with me including but not limited to communication via telephone, mail correspondence, electronic mail, or facsimile. Your actions to collect debt from me are : embarrassing - harassing - aggressive - deceitful - threatening causing emotional and physical duress causing undue stress. 
If you continue to contact me other than to notify me that you are ending communication or that you are taking other legal action to collect the debt, I will be forced to take legal action against you for violation of the Fair Debt Collection Practices Act and will seek all available damages and remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Student loan

Hello my name is XXXX XXXX and I have student loans with citizens bank and I pay through XXXX. I was on time with my payments until the past couple of months, I ran into a problem with this because I went to go down and refinance my student loans with citizens. I was told everything was handled and I even signed the things I was supposed to. I told them hey lets get everything out of the way signing wise so I dont have to go back and the worker said okay. I was told in XXXX my payments were going to be XXXX a month they have never been XXXX its still at the regular XXXX. So with this I was paying the wrong amount thinking it was the right amount which made me late in my payments to the point to wear its hard for me to pay. Im just looking to be reimbursed for my troubles with this company one and for all I would refinance to another company but my credit is shot because of this whole situation as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that I did not apply for some one been using my identity and apply for stuff with out my consent or knowledge first inquiry XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I never received my 1099C for this charge off Account name J D BYRIDER/CNAC Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$10.00}, XXXX written off. {$11.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$11000.00} Balance updated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was never late I refinanced the car and they reported it late and it should not have need XXXX XXXX 30 DAYS LATE Auto Loans {$0.00} Status Date ReportedXX/XX/XXXX Payment Status 30 Days Late Account Details Bureau Name XXXX XXXX Account Type Auto Loan Responsibility Individual Original Loan Amount {$14000.00} Date Account Opened XX/XX/XXXX Date Account ClosedXX/XX/XXXX Payment Details Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Term 72 Months Payment Frequency Monthly ( every month ) On Time Payments 100 % Worst Pay Status Current
Product: Debt collection

I am writing this letter to bring to your attention a matter of grave concern regarding your recent communications with me in relation to an alleged debt. It has come to my attention that your company may have violated several laws outlined in the Consumer Financial Protection Bureau 's ( CFPB ) guidelines, specifically under CFPB 1006.34 regarding the Notice for Validation of Debts. This violation pertains to the failure to provide essential information about consumer protections and consumer-response information, particularly the omission of required dispute prompts. 
I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws.
Product: Credit card or prepaid card

1. XXXX transactions were made on my capital one card in late XXXX. 
2. Capital One notified me of potential fraud. I responded that I did not make these purchases and Capital One began a fraud investigation. 
3. Contacted by Capital One and was notified that their investigation did not show fraud and I may have benefited by the transactions and would be responsible for the charges. 
4. Made multiple calls to Capital One to follow-up. Several instances, when waiting on hold, I was disconnected. 
5. When making contact with Capital One, I asked them if it was possible to contact the store ( Wal-Mart or XXXX 's XXXX and have the store share their video of the exact time the incident took place. Was told they would pass on the request to the appropriate team. 
6. Reopened another fraud investigation on the same charges 7. Received a letter on XX/XX/XXXX that indicated that the case was closed and it appears as though I was not responsible for the charges. 
8. Capital One continued to charge late fees 9. Capital One closed the card as a " charge off '' but indicated that I was still responsible for the current balance. 
10. Credit Score dropped by XXXX points. 
11. My bank XXXX XXXX card was closed by XXXX for possible charge offs on other accounts. I never had a balance with XXXX  and never used their card.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I write to formally lodge a complaint against Equifax concerning the erroneous and misleading reporting of an account linked to XXXX XXXX XXXX XXXX ( Account Number : XXXX ) on my consumer credit report. 

**Factual Background** : - Equifax has persisted in representing this account as accurate, notwithstanding my successful dispute with XXXX, which culminated in the removal of said account from my credit profile. 
- This inconsistency raises substantial concerns regarding the reliability and validity of Equifax 's verification process. 

**Legal Basis** : - Pursuant to 15 U.S. Code 1681i, consumer reporting agencies are mandated to expeditiously delete any disputed item that has been determined to be inaccurate or unverifiable.

- The conflicting results from the same financial institution signify a potential failure in Equifax compliance with the statutory obligations established under 15 U.S. Code 1681 ( a ) ( 2 ), which necessitate that consumer reporting agencies uphold standards of accuracy and integrity in reporting.

**Impact on Consumer Rights** : The ongoing reporting of this inaccurate account has inflicted significant harm upon my creditworthiness and overall financial well-being. Such conduct contravenes the principles enshrined in the Fair Credit Reporting Act ( FCRA ), which underscores the necessity for fairness, impartiality, and consumer privacy. 

**Demand for Remedial Action** : I hereby demand the immediate expungement of this erroneous account from my Equifax credit report. Enclosed, please find pertinent documentation from XXXX that corroborates my assertions. 

I respectfully implore the Consumer Financial Protection Bureau to undertake a comprehensive investigation into the practices of Equifax in this matter. I anticipate your prompt and thorough response to address my concerns.