23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To every account on any credit report and any debt collector ; This notice is addressing all Credit Reporting Agencies and third-party debt collectors who has participated in obtaining the personal information of XXXX XXXX XXXX The information that you have provided in which you reported verified the party 's ownership of debt is expected to be removed immediately. There was never at any point any consent given for the presence of any accounts pertaining to XXXX XXXX for information to be used such as name, address, consumer relationship, work history, reporting of transactions. In practicing these actions, you are infringing on the fair credit act. The FCRA protects the privacy of consumers data, according to 1681 c-2 it is classified as identity theft. There is no binding contractual agreement between XXXX XXXX, and any account of the busines ( XXXX ) reported on any of the credit bureau or third-party collection agencies credit reports. Therefore, XXXX XXXX never received any sort of check, loan, or monies of any nature from any account name on these reports. This counts as misrepresentation resulting to damages to XXXX XXXX causing loss and harm. NOT ANY agency has provided proof of ownership.
Product: Money transfer, virtual currency, or money service

I activated an offer for 35 % cashback on a XXXX XXXX purchase in the Google Pay App. I then made a purchase of {$29.00}. I am still waiting, a week later for the company to credit my account and the {$10.00} to show as pending. I have contacted Google 's useless terrible customer service numerous times and only receive the runaround
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 U.S.C 1681.

I had Four employer That had security Breach that Impact the Privacy of their employee XXXX, XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS XXXX & XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  Account Number XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX Account Number XXXX HAS VIOLATED MY RIGHTS XXXX Account Number XXXX HAS VIOLATED MY RIGHTS XXXX XXXX Account Number XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX account Number XXXX, HAS VIOLATED MY RIGHTS 15 U.S.C 1681 Section 602 A. States i have the Rights to Privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumers report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report-by more than seven years.

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

These Accounts and inquiries are incorrect, since i do not recognize them, please investigate them and delete them Accounts : XXXXXXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.0XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} 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
Product: Mortgage

We officially filed a complaint and thought it was resolved permanently. I was finally able to make a payment in XXXX. Then XXXX rolls around and I am getting the same calls stating high debt, were delinquent and we need to call. I have proof our last complaint was excepted. They did not correct their system therefore we cant make a payment for XXXX. Tomorrow is officially XXXX so we will be marked behind, have to talk alternate solutions and this is creating severe anxiety for me. I have left several messages for XXXX XXXX to return my call and have documents of days and days of emails and calls with no solution. Supervisors are being asked to turn on a button and they wont. I feel this is becoming out of our hands I am requesting legal support and help at this time. We want the payment button on asap and a personal call stating the issue has been permanently resolved. I dont want to be charged late fees, have my XXXX XXXX dinged and I want the company to honor the modification deal as previously stated they would in the last investigation. I also want written response to my legal choices if we pursue a claim against Right Path. We also need to figure out a fair requirement on how I proceed to make any payments held up due to your technical error of a button not working. This is the companys fault once again and they need to be held liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have recently purchase a credit report from XXXX, equifax, XXXX please use the written letter as confirmation that. i hereby opt-out and do not wish to resolve disputes with through arbitration .Again : i rejected the arbitration clause in the interactive service agreement. thank you for noting my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am deeply upset about the erroneous items found on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. If everything is not reporting 100 % accurately it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an account was opened and I was approved for {$300.00} credit limit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I am a consumer and the original creditor. I've sent an invoice trying to settle with XXXX, still no response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report. This is my 2nd time trying to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted TransUnion XXXX and XXXX to remove these fruadulent accounts and inquires and they have affected my mortgage buying process.i have provided A notarized identity theft report and they have chose to still not remove these accounts and negative inquires. 
I demand these fraudulent inquires and accounts be removed within the next 7 business days.
Product: Vehicle loan or lease

I made a double payment in which one of the payments was applied towards the principal balance as it should have. However, the second payment also was applied to the next monthly payment. The second payment should have reduced the principal balance that interest is being charged against which would reduce the monthly payments. The company is not recalculating the interest that should be charged by applying the overpayments towards future monthly payments.
Product: Debt collection

Tried to connect Debt Collector to insurance company, but got run around
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to inform you that I have been a victim of identity theft. After conducting research on how to remove the fraudulent items from my credit report, I discovered that I need to file a report with the Federal Trade Commission, which can be done at www.ftc.gov. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to remove any items listed in an identity theft report. 
Enclosed are the necessary documents to assist in the removal of the erroneous information currently appearing on my report. Below is a list of items that do not belong to me or were opened without my authorization As stipulated in FCRA Section 605B ( a ), credit reporting agencies are required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt of this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Harris & Harris keeps calling me asking me to verify the last XXXX of my social with NO further explanation. My credit is XXXX+. I am not delinquent on anything. I checked. This is crazy.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously file a complaint and disputed unauthorized fraudulent inquiries with Equifax. Equifax claimed they deleted the fraudulent inquiries but the fraudulent inquiries are still on my credit report. I have filled another affidavit with the FTC to remove the fraudulent inquiries. At this point, Equifax is purposely ignoring my documentation. I will sue Equifax for deceptive practices and willful noncompliance if the fraudulent inquiries are not deleted in 7 days by XX/XX/2023.
Product: Debt collection

I got an email from my identify protection service ( XXXX XXXX XXXX ) on XX/XX/XXXX that a major derogatory debt related to an apartment in Texas appeared on my credit report that I wasn't aware of. For reference, I haven't lived in Texas for over a year and a half.

Once I learned about this, I logged onto my credit bureau accounts to review the information. After I found it, I called the Debt Collector ( National Credit Systems ) and notified them of my situation. They sent me the details of the account at issue and instructions on how to report it as fraudulent. I begun the process to file a police report which is required for them to begin their process I believe.

I already have my credit frozen, but I also added a fraud alert for each credit bureau as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXXXXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$380.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   account that was opened  XXXX  was charged off in  XXXX . Item was paid in full  XXXX   XXXX . Equifax and   XXXX   are both still reporting this account as late for a payment status instead of paid. Also, Equifax is incorrectly reporting as " failed to pay '' for  XXXX ,  XXXX  when there is nothing left to pay. This account was paid off 3 months ago for the full balance due.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must 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  bankruptcy. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Credit reporting

Account information on my credit report is reporting information incorrectly. The account history information is showing L ( charge off ). The history information does not show or include the payment history and they are re-aging the account. Account information needs to include payment history, late payment 30-day and 150-day delinquency dates. They are not including this information on their reporting period and are in violation of FCRA ( 7 year maximum reporting period ). Any information that can not be provided or deleted showing the correct account history information confirms that they are attempting to re-age their reporting period. I request that all negative information that is reported incorrectly, not providing accurate account history, or deleted account history to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX Collection debt {$540.00} listed as a collection on my credit reports- I have not been able to contact the company listed as the collector by the address and phone number listed on the credit letters- I also was not able to locate that company as a collection source with the Consumer Financial Protection Bureau . How can it be verified by XXXX- XXXX- Experian if I can not locate them through these resources I dispute this account and it's details are not verifiable and should be removed and deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 2nd complaint. The credit co. Will not change my name to my correct legal name or remove addresses that are not mine. I have supplied soc. Sec card x 2 and state id x 2. These incorrect names need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

As part of the 2017 Equifax cyber security incident, I was one of the millions potentially affected by the data breach. The behavior of Equifax executives has been unacceptable following this incident, and brings to question their accountability and affability in this situation.
Product: Credit reporting or other personal consumer reports

Re : Inaccurate Reporting of Kickoff Account Equifax Report Number : XXXX Dear Equifax XXXX Department, I am writing to dispute the inaccurate reporting of the Kickoff account on my credit report. This account is being reported inaccurately, and I request its immediate correction or removal. Additionally, I requested a 1099-C form from the creditor, but it has not been provided.

Under the Fair Credit Reporting Act ( FCRA ) Section 623, ( 15 U.S.C. 1681s-2 ), creditors have a legal obligation to report accurate information. By continuing to report inaccurate information, the creditor is in violation of federal law. I request that you investigate this matter thoroughly and remove the incorrect information from my report. 

Furthermore, I would like to bring to your attention that this same account has recently been removed from my XXXX credit report. I request that Equifax follows suit and updates my credit file accordingly. 

Additionally, Equifax has stated that they never received a complaint from the Consumer Financial Protection Bureau ( CFPB ). However, I have reviewed my inbox on the CFPB platform, and it clearly states that the company is still investigating the situation. This means Equifax has provided false information regarding this matter. I expect Equifax to act in good faith and correct this discrepancy immediately. 

Please send me written confirmation of your investigation and the actions taken to resolve this issue. I appreciate your prompt attention and cooperation. 


This version includes the mention of the discrepancy with Equifaxs statement regarding the CFPB investigation. Be sure to attach any related documents from the CFPB and any communication showing the investigation is ongoing.
Product: Credit reporting or other personal consumer reports

Experian violated my rights under U.S.C. 1681 ( A ) 4 with inaccurate payment history that is really hurting my chance to obtain credit when I have told them multiple times something was not right on my credit profile their last response was on XXXX  where they stated everything was complete and accurate can you please help me
Product: Money transfer, virtual currency, or money service

I've requested my XXXX  account closed several weeks ago, as far back as XX/XX/XXXX, remaining balance refunded back to me in the amount of XXXX. To date, the account is still open and balance still showing, nothing refunded back to me.
Product: Credit card or prepaid card

Have been waiting to receive a prepaid card Have been waiting since XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX CREDIT Account # XXXX XXXX - CARD SERVICES Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX bankruptcy dismissed reference # XXXX XXXX XXXX XXXX XXXX doc number XXXX XXXX XXXX Acoount # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

The number ( XXXX ) XXXX has called me XXXX a day trying to collect a debt. It is a machine when I answer and call back. The machine asked for a payment and I refused. Then it asked for my zip code and I gave it to them. It said they could not find an account. They continue to call. I do n't have any debt as I am young. I blocked the phone number and then ( XXXX ) XXXX proceeded to call me XXXX a day. Same thing as before.
Product: Mortgage

To whom it may concern : We recently contacted our Mortgage company on XX/XX/XXXX of this year XXXX. I needed my interest statement for TY XXXX and XXXX, they did provide. My husband and I have been considering refinancing our existing mortgage. One of the lenders in whom we spoke with asked us for a recent Morgage statement. I proceeded on XX/XX/XXXX to log into our Morgage Company 's website to obtain this information. To my surprise, I was unable to login. XXXX XXXX XXXX without hesitation, I assumed the kids, phones, tv was making it difficult to log in and I'd try again in my office in the am. I spent the majority of the next day trying every avenue of the web looking up our Morgage Comp. I referred back to our " large '' file of paperwork to find a phone number. I made my husband aware of our difficulties and gave him several numbers as well to call. To our surprise with both of us attempting to contact them all lines have been disconnected. We then preceded to go into panic mode. I then emailed the lady in whom last emailed me with our interest statement and that too came back undeliverable. How are we to make a mortgage payment in XXXX? Do we contact an Atty? We're lost and so here I am writing to you- Please advise, Our Mortgage Company has disappeared. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Mortgage Company : SN Servicing Corporation XXXX Bounced back email undeliverable : XXXX and Email : XXXX Website : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Checking or savings account

Capital one bank was not letting deposits come thru on accounts and costed me very bad declined fees from money that was supposed to be withdrew out my account
Product: Vehicle loan or lease

Complaint XXXX was unable to fully resolve my issues and concerns. I communicated with XXXX on XX/XX/XXXX regarding a consumer credit transaction without a down payment for XXXX XXXX XXXX . I asked representative XXXX XXXX does XXXX participate in the Truth in Lending Act and after verifying, she confirmed yes. Afterwards, she stated that a down payment of {$12000.00} would be required to be financed by Exeter ( violations of 15 USC 1601, 15 USC 1662 and 15 USC 1691 ( a ) ( 3 ) ). Credit is my right as a consumer, which means that I can not be denied credit. Inquiries ( both soft and hard ) are proof that a payment ( credit transaction ) has been received by the Federal Reserve that is intended for the consumer. The transaction was already completed after the credit application was fulfilled. Exeter only benefitted from the credit transaction, not me. Clear violations of the above mentioned Federal Statutes that they have strongly denied violating, while also requesting proof, when clearly the inquiry and their response is enough proof that they have violated these Federal Statutes.
Product: Debt collection

I submitted to request to LJ Ross for validation of the debt. I submitted it via certified mail and I received the signature card back so I know they received my letters. However, I not received any response and it's been over 45 days for the first letter. I'm requesting validation as per the Fair Credit Reporting Act for this debt they are trying to collect on. You are required by law to answer my request and provide me with this information.