23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have continually asked the bureaus to remove two accounts from this collection agency that harasses myself and my family. They create fake accounts without validation and proper handling of disputes and they are all over the internet scamming people. I have disputed this account many many times and sent over my medical information with no response except more calls and voicemails. I am not responsible for any bills and any bill was never sent to me to verify, dispute or even be aware of. I ask that this company stop contacting me and they refuse and say they will ruin my life and my credit and they put collections on all of my credit reports and say they can keep it 10 years. they only want full payment, even after i send letters and paperwork back with insurance claims aleady paid. 


these accounts never had bills and never waited a fair amount of days before putting this collection against me. They said they dont care and they straight only put collection. 

this is too old and almost 10 years ago, why are they pursuing me? I dont even have that same insurance that covered back then. 

they claim I owe {$820.00} and {$200.00} accounts number # XXXX and # XXXX ( FAKE ACCNTS )
Product: Vehicle loan or lease

I do not know where to turn. I had a mechanic destroy my vehicle after I paid for him to repair my car. Not only did he do more mechanical damage but he did alot of exterior damage as well. Since I have a loan on this vehicle I have to keep full coverage insurance on my car. My car insurance is refusing to pay the total loss claim because I do not have exact date the damage occurred. This is a total cop out. I have proof of not only the conversation with the shop owner admitting his mechanic cut up my wiring harness and misplaced parts and bolts but I have pictures of when the vehicle was first dropped off as well as the shop owner posing in front of my car for a XXXX XXXX for the XXXX of XXXX XXXX I still owe on the car and I can't pay for a total loss on a car. This is over a {$15000.00} loss and I have been just diagnosed with XXXX XXXX XXXXXXXX XXXX. I do not have a dependable vehicle now because mine was destroyed. This will ruin me financially and I can't seem to find anyone that will help me. I can provide you with all my documentation if needed. I did everything I was supposed to but will be the only one that takes this financial loss. It is amazing you HAVE to have full coverage insurance in order to have a car loan but they can just destroy a person and deny the claim over some bs reason. Please help. My insurance is XXXX. This is especially hard since I was rebuilding my credit and almost had to vehicle paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Attorney general XXXX / Case # XXXX XXXX XXXX XXXX XXXX Texas XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies must provide accurate and complete information. However, the information provided by this company is inaccurate and should be removed from my credit report. 
Furthermore, 15 U.S. Code 1681b states that consumer reporting agencies are only permitted to provide consumer reports to those with a permissible purpose. 
THIS IS 7 years old an have been inaccurately furnished onto my consumer report.FASLEY
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXXXXXX I opened an American Express credit card. It was charged off in XXXX, but as of XX/XX/XXXX ( credit report ), it shows a {$6500.00} balance on all three bureaus. Two bureaus list it open, XXXX closedno payments since XX/XX/XXXX, no sale to a collector noted. In XX/XX/XXXX, I asked American Express for proof of the balance and status; got no clear response. This has hurt my credit since XXXX, contributing to denials from all major credit cards by XXXX and forcing 158 % interest loans in XXXXnormal credits impossible. Disputed XX/XX/XXXX, unresolvedsee reports.
Product: Checking or savings account

I opened an account with CitiBank on XX/XX/2020, under a promotion that I would receive {$400.00}. The promotion clearly stated that I would receive {$400.00} after keeping {$15000.00} total in my Savings and Checking Account. I had a total of {$15000.00} on XX/XX/2020. Two months later I reached out to CitiBank and they told me that I would receive the {$500.00} in XXXX. A few months after that, I reached out to Citibank again and was told I would be receiving {$500.00} no later than XX/XX/2020. Today, I called CitiBank since I have not seen the {$500.00} in my account yet. CitiBank said that I was missing some documentation, but could not tell me exactly what I was missing. I've been giving the roundabout too many times already.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX 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: Credit card

I have an apple card, which is bank issued through Goldman Sachs. I cancelled an apple order of a new XXXX on XX/XX/2023. The charge was for XXXX XXXX The order was sucessfully cancelled through the merchant ( Apple ), they confirmed that the order did not fully go through since it was cancelled. Merchant was not able to do anything on their end and told me this is a bank-specific issue. So I contacted Goldman Sachs beginning since XX/XX/2023. They always tell me the same run arounds about contacting different departments of the bank, and telling me " just keep waiting ''. 
It is towards the end of XXXX, the order was cancelled in XXXX. The pending charge should've dropped long time ago. I can not use my apple card because the pending charge is using up majority of my available balance. Please help, thanks.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX  : Account number : XXXX, XXXX CARD : Account number : XXXX, XXXX : Account number : XXXX, XXXX XXXX  : Account number : XXXX, XXXX XXXX XXXX  XX/XX/2023 : XXXX XXXX  XXXX | XX/XX/2023 : XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXXXXXX XXXX : Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX | XX/XX/2023 : XXXX XXXX XXXX  : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents. Remove this personal information that does not belong to me.
Product: Credit card or prepaid card

I received a text message saying that my Bank of America credit request has been approved. I did not apply for a credit request. I looked at my account online and there was a suspicious email that was not mine. I deleted the email in my account profile. I called Bank of America and I had two accounts in my name ( I do have one account with that company. ) Bank of America put a stop or freeze on the unauthorized account and informed me to cut up the credit card when it arrives in the mail. I was informed that no charges have been made on the account.
Product: Debt collection

Upon noticing a collection account on my credit report, I sent a request for validation on XX/XX/24 to the collection agency listed in my report. I stated that the request was required to be replied to within 30 days of receipt and no response has been provided by the company as of yet. I confirmed that the company received the request on XX/XX/24. I have copies of the time stamp provided by the courier service from the company representative that accepted the validation request. In the validation letter it states that if the company does not respond within the 30 days of receipt of the validation with the required validation information, then all references to the account must be deleted and completely removed from my credit report and a copy of the deletion request/completion be provided to me also. However, as stated above no response from the company has been received even after confirming the company has been in receipt of the validation request now beyond the XXXX allotment. Additionally, there has not been any correspondence from any of the credit reporting agencies about any updates from the company or modifying the collection inquiry. I have reason to believe that the company has placed the account is question on my credit report from fraudulent accounts from an identity theft investigation. I require the validation information to then seek verification about the account under investigation to ensure that this debt belongs to me because proof has not been provided.
Product: Credit reporting or other personal consumer reports

I believe that the actions taken is constitute negligent noncompliance under 1681o of the Fair Credit Reporting Act ( FCRA ), which outlines the civil liability for negligent failure to comply with the FCRAs regulations.

I believe the following actions or lack thereof have led to violations of this statute : 1. Failure to report accurate information Your company has reported incorrect or incomplete information regarding this debt to credit reporting agencies.

2. Failure to provide proper verification or validation of the debt As required under the FCRA, I requested proof of the debt and have not received satisfactory documentation within the required timeframe.

3. Failure to investigate properly upon my dispute When I initially disputed this account, there was no reasonable investigation conducted, and as a result, the inaccurate information continues to be reported.

Under 1681o of the FCRA, I am entitled to request that any erroneous information be investigated and corrected. Failure to comply with the regulations laid out in this section, as well as any intentional or negligent misrepresentation of information, could lead to civil liability for damages.

Therefore, I request the following actions : 1. Immediate investigation of the debt associated with this account.

2. Verification of the debt, including a complete breakdown of the charges and the original creditors documentation.

3. Removal of any incorrect or unverified information from all credit reporting agencies if the debt can not be verified as valid. 

I also request that all communication related to this matter be done in writing and sent to the address listed above.

Failure to provide proper validation and to comply with 1681o could lead me to seek legal action for damages resulting from negligent noncompliance. I expect a response within 30 days as required by the FCRA. If this matter is not resolved satisfactorily, I will consider further legal remedies to protect my rights. 

Thank you for your prompt attention to this serious matter.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My disputes may have been overlooked in these past months. I have been trying to remove unknown and unverified accounts from my credit report. Please help!
Product: Credit reporting or other personal consumer reports

I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.
Product: Credit reporting

I sent Equifax a certified letter on XX/XX/XXXX, stating that i was never notify of a few bills that was on my credit report. I discovered this by pulling my credit report.I realized that the bill was mine however, I was never notify of these bills prior to them being added to my credit report. I disputed them with Equifax informing them that I was never given the proper notification from the creditor. I received a letter from the Equifax on XX/XX/XXXX it stated that we verify these items have been reported correctly. This creditor has verify to our company that the balance is being report correctly on all the XXXX XXXX accounts. I never disputed for them to verify the account or verify the balance, I disputed I was never notify of the bill.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting or other personal consumer reports

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called XXXX and Experian to ask for the removal of hard inquiries that I did not authorize. I was told that they would not remove them without a police report being sent to them. I stated to them that under the FCRA law that states if any information can not be verified it must be removed : the two bureaus than proceeded to tell me to report it to the FTC. I was than told that there was nothing they can do. They refuse to help in the matter at hand.So no action will be taken I was told. These are the hard Inquiries that was not authorize by me. 
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 Also I would like to ask for the removal of two late payments.One from XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. The two companies reported late payments despite me trying to pay before the due date but the dates fell on a weekend so it did not allow me to pay until the upcoming mondays and even than it still took 2 to 3 days to process the payment I have contacted both companies and they told me that they understand and it wasnt my fault that they would update their notes and I would have to report to you guys ad you will contact them and they would give you access to their notes I would have to reach out to your company on behalf of myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Product: Money transfer, virtual currency, or money service

I was scammed from a car selling post on XXXX. When I paid the {$500.00} and the guy I thought was my friend was taking the ad down it turned out to be a hacked page of my friend. I made the transaction from my cashapp account. XXXX setup a dispute with cashapp and provided evidence that the person was fraudulent after they blocked me and lied to cashapp that I hadnt come yet to see a vehicle that was never real. Cashapp said they saw no suspicious activity of fraud and closed the case after several and multiple attempts and proof of evidence of the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection company threated me on leagel action
Product: Credit reporting or other personal consumer reports

I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions equifax consistently responds that the account is accurate, without providing any evidence oc a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a resonance investigation of disputes. Furthermore Equifax s actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of invistigation. On accounts : XXXX XXXX for the amount of XXXX. 
XXXX XXXXr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX dates XX/XX/year> XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Google pay never sent me my fund over {$3500.00} and has been holding my funds for over XXXX  months and not returning my funds.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Debt collection

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. I did not knowingly obtained or should have known that I obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. The identified transaction is not information related to any transaction by me as the consumer. The request to block information was based on factual misrepresentation and not on a material misrepresentation. 

Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated XXXX5 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Credit card

I have received a series of emails from Chime starting on XX/XX/XXXX, stating that I have successfully set up an account, and that my credit cards are ready and on the way to my house. I have never attempted to open a Chime account, and have never provided any personal details to this company. I have confirmed the mobile number provided in the email as being the same one as the customer support number on the Chime website so I don't believe this is an email scam. I believe someone is attempting to open a credit card in my name and I am concerned about potential identity theft. The address that the card is being sent to is not my mailing address.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding a collection account reported by Columbia Debt Recovery under the Account XXXX : XXXX. The collection account continues to appear on my credit report, and I believe this account is inaccurate or outdated. I dispute the accuracy of the collection account because I am not liable for the amount of {$3400.00}. I have no responsibility for this debt, and the reported amount is incorrect.
Product: Credit reporting or other personal consumer reports

I called the company about a delinquent account that I was trying to pay off in full if if they agreed to delete the account which I paid in full in XX/XX/year> but yet the account is still showing on my credit report