23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2021 I received a letter in the mail from Linebarger Goggan Blair & Sampson LLP - Attorney at Law - that was a " Notice of Delinquent Court Fines '' Stating I had a stoplight violation that received court fines that totaled over {$200.00}. I found this odd since I know that I would have received some sort of notice about the violation first before it going to court. In XXXX, I paid the invoice thinking I must have missed the original notice. Then in XXXX, I saw on a reporting website this same exact letter that this is a scam going around. I contacted my banking institution and am disputing the charge.
Product: Debt collection

Merchants and Medical Corporation has violated numerous sections of the FDCPA and FCRA. The most glaring of these offenses being lack of verification within the first 30 days of communication. This is my second complaint with this specific issue to the CFPB and upon research have found numerous others. I have remained within my rights while dealing with this company and even on XXXX occasions stepped out with an olive branch and offered to accept a letter of deletion considering how worried they are of not being paid. They have also refused to produce proper means of securing an address or business license number for me to move forward with a civil case against them.
Product: Mortgage

Citibank HELOC team informed me that they would correct my late payments once my account was up to date. The representatives were trying to help me modify my HELOC. The process did not work and I ended up paying every penny back on my own. It 's been a while and I am trying to buy a home, my mortgage broker told me this account is holding me up. Can someone help me? Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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

I have contacted LVNV Funding, letting them know XXXX XXXX XXXX cleared this matter. Infact, when I first contacted the CPFB regarding thisXXXX XXXX XXXX XXXX let me know that it would be removed from my credit report ; which you can see ( attached is my current credit report showing that XXXX XXXXXXXX XXXX has removed the account COMPLETELY from my credit report ). 

I have notified this to LVNV Funding multiple times ; and they refuse to remove the collection, as the debt was satisfied. XXXX XXXXXXXX XXXX can also be reached in this matter, as they know I made a complaint with the CPFB.

Secondly, LVNV Funding ( attached screenshot ) is now showing one missed payment. I have never made ANY payments to their company nor have I given them any authorization, ever, to take any money from my checking account or credit cards. This shows that they are in direct breach of the FCRA and my next step will be to hire an attorney if this is not removed from my report. 

As a side note ; I have disputed this with XXXX and XXXX and BOTH HAVE REMOVED IT FROM MY REPORT. The only one that has not is XXXX and it is DAMAGING my credit and I will hire an attorney if need be to reconcile damages from them for FALSE reporting on MY credit report and I want them to know this when you talk to them. 

This was a misunderstanding with XXXX XXXX XXXX  and HAS been rectified with CPFB through a previous complaint and 100 % removed from my credit report. LVNV FundiXXXX is falsely reporting this charge and it is NOT supposed to be there. 

****Please see attached previous complaint with CPFB and XXXX XXXX XXXX where this was already removed from my credit report 100 %. ******
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.
Product: Money transfer, virtual currency, or money service

Subbmitted a fund transfer request on XX/XX/XXXX, got email confirmation on XX/XX/XXXX, my family contacted the bank but never got funds. contacted the company who asked me to cancel the reuest due to exchange rates changes. 

order # Order No. : XXXX Order No. : XXXX Operator : XXXX XXXX  BANK ACCOUNT : XXXX Transaction Date : XX/XX/XXXX XXXX XXXX Track your Order at XXXX  Date Available : XX/XX/XXXX ( May be available sooner ) SENDER RECIPIENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX - United States Ph:XXXX XXXX XXXX  # XXXX , XXXX # XXXX, XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX - XXXX Ph : XXXX XXXX XXXX XXXX XXXX XXXX PIN No. XXXX Transfer Amount XXXX   USD Exchange Rate {$1.00} USD = XXXX PKR Transfer Fees XXXX USD Transfer Amount XXXX PKR Transfer Taxes XXXX XXXX Other Fees XXXX PKR Total XXXX USD Total to Recipient XXXX PKR
Product: Credit reporting or other personal consumer reports

I just disputed this this and they made it worse. They made a old account new again and they lied on my credit report. Please help.
Product: Debt collection

Southern Management System reported that I had {$4700.00} in collections and placed it on my credit report. They never sent me a bill prior to me contacting them and asking them where did they get {$4700.00} balance from. In response to my letter, they sent me a bill for the amount {$2900.00} and said that they would have all three credit bureaus update the amount. I wrote them a letter trying to clarify inaccurate items in their letter. They retaliating by notifying all three bureaus to report {$4700.00} on my report instead. I will enclose documents to support my complaint.I have sent them several communications trying to find out where they are getting there amounts from and they are evasive. 

The original creditor is XXXX on XXXX XXXX and they have lied on the paperwork that they gave Southern Management but that's a different story. Southern Management is trying to collect {$4700.00} when XXXX gave them an amount of {$2900.00}. It is incorrect also, but it not the {$4700.00} that Southern Management is unlawfully reporting and trying to collect. Southern Management is trying to pad the bill as evidenced by my most recent look at my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section XXXX. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA XXXX XXXX, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX NA # 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted all three bureau Trans Union, XXXX, and XXXX asking to uphold the integrity and standards set by CFPB, XXXX, XXXX, FDCPA and 15 USC. Also Texas fair credit reporting. All knowledge has been ignored on the behalf of the bureau. I demanded proof of debit by contract with my signature. They failed to comply. I asked them to remove debit with false information that was past Section 16.004 of the Texas Civil Practice Remedies code. The statue of limitation on debit in Texas is four years. Some accounts where doubled and had different account numbers. The bureaus refused to do anything. 
I sent a letter to update my information and remove false inquires on my report. These too where ignored by the bureau!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services, LLC. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1 XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> EQUIFAX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Fraudulent Collection Violation of 15 USC 1692E ( 11 ) Dear EQUIFAX, I am writing to dispute a fraudulent collection that appears on my credit report, which I believe constitutes a violation of the Fair Debt Collection Practices Act ( 15 USC 1692E ( 11 ) ). 
Fraudulent Collection Details : Collection Agency : XXXX XXXX XXXX. 
Original Creditor : XXXX XXXX XXXX Account Number : XXXX ( XXXX and Equifax ) Account Type : Collection ( XXXX : No account type listed; Experian/Equifax : XXXX ) I request that you investigate this account and remove it from my credit report, as it is unauthorized and negatively impacts my credit standing. I have not authorized this collection and believe it to be fraudulent. 
Attached are copies of my identification and any relevant documentation regarding this matter. Please confirm receipt of this letter and provide updates regarding your investigation. 
Thank you for your prompt attention to this serious issue. 
Sincerely, XXXX XXXX
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 protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX Account # : XXXX XXXX  Account # : XXXX, XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX  Account # XXXX XXXX, XXXX  Account # : XXXX, These accounts has violated my rights. 
15 U.S.C 1681 section 602 A states that 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 an account without my written instructions.

15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following 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: Debt collection

Violation of 15 U.S.C. 1692g This company failed to provide the required debt validation notice within the 5-day period mandated by 15 U.S.C. 1692g.

This section requires you to provide the following information within 5 days of the initial communication : 1. The amount of the debt 2. The name of the creditor 3. A statement indicating that the debt is assumed valid unless disputed within 30 days 4. A statement indicating that if disputed, the debt collector will obtain verification and provide it to the consumer.

Under section 15 U.S.C. 1692c which requires you to verify the debt and provide me with certain information.

Please provide me with the following : 1. The original contract or agreement I signed with the creditor.

2. A detailed accounting of the debt, including all charges and fees.

3. Verification of the debt, including the name and address of the original creditor.

4. A copy of any judgment or court order related to the debt.

5. Proof of ownership and chain of custody
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo reported a delinquency on my credit report which changed my score drastically. They then sent me a letter which I still have apologizing for the inconvenience and saying quote have submitted a request to the consumer reporting agencies to correct or remove negative reporting that resulted from the issue. No further action is required from you. Please note corrections XXXX take longer than 30 days. It has been over 2 years.
Product: Credit reporting or other personal consumer reports

15 USC 6802 Obligations with respect to Disclosures of personal information I did not give written consent or instructions to share my personal information to a third-party.

15 USC 6802b Opt Out states a financial institution may not disclose non public personal information to a nonaffiliated third party unless, such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or the other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third party.

The consumer is giving the opportunity, before the time that such information is initially disclosed to direct that such information not be disclosed to such third party.

The Consumer is giving an explanation of how the Consumer can exercise that nondisclosure option.

Along with the ( GLBA ) Gramm-Leach-Bliley Act Governs the treatment of nonpublic personal information about Consumers by financial institutions and refraining from disclosing account numbers or similar forms of access codes to any nonaffiliated third-party. 
I choose to opt out from having any information from XXXX XXXX XXXX to share my personal information, as a result I respectfully asked that you remove XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX my credit report.
Product: Credit reporting or other personal consumer reports

I have contacted Lexis Nexis 3 times and asked them to mail me my Full Consumer Report with XXXX Report and I haven't received it. 
I contacted them on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX & XX/XX/XXXX at XXXX, all 3 times I requested my Full Consumer Report with XXXX Report to be mailed to me because I received an adverse action letter from XXXX ( Ref XXXX XXXX ) and other insurers as well, stating that I didn't receive the best auto rate due to what's in my Lexis Nexis Report. 
On XXXX XXXX at XXXX I contacted them again because I still haven't received it, and was told that it was mailed out on XX/XX/XXXX and I should receive it by XX/XX/XXXX which I have not. 
Now, because I haven't received my Consumer Reports to review the information in it, I'm forced to renew my policy on XX/XX/XXXX with an extremely high auto rate for someone with a good credit score of XXXX & an XXXX score of XXXX. My auto insurance premium is about 2- 3 times the amount I believe it should be. There's no reason why I shouldn't have received my reports in time before my insurance premium was due, 2+ months is a ridiculous amount of time to have to wait for something that I'm entitled to.
Product: Debt collection

I have contact this company for years and send dispute letters to credit companies. I have requested proof or verification of this account. This company does not comply in deleting an inaccurate debt on my credit report. They do not reply.
Product: Credit card or prepaid card

I have been testing the extra debit credit builder card is the builder card which was in Beta mode at the time and experience experience difficult and a clarity of the services and the fees might be? Doesn't the phase I've requested my account to be closed over 30 days ago 30 days ago account I received email that my account was closed but then A-day later started receiving NSF It's official fun charges for my bank for extra attempting to collect a debt that I do not know I have not used card and Despite my request to close account and customer service representative and email a confirmative a confirmative account was closed account is not closed I have no access to portal And this company is going after my primary checking everyday results in a fee from my bank for S efficient funds for transaction that never authorized
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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: Debt collection

I paid a debt with this company a couple months ago and it still listed on my credit file as I owe. So I disputed it and all three credit agencies stated they verified and I owe. This is inaccurate information I want it removed completely.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX am submitting this complaint to request that the Experian credit reporting agency block information appearing on my consumer credit report that is a result of identity theft and fraud. I request this action be taken within XXXX business days of receiving this complaint. 

The fraudulent accounts, including XXXX XXXX XXXX ( {$320.00} ) and XXXX XXXX have led to several unauthorized hard inquiries and collections reflected on my consumer credit report. I do not recognize these accounts or inquiries as they were not opened, made, or initiated by me. They are solely the result of identity theft and fraud. 

I have attached a list of the fraudulent hard inquiries and a copy of my consumer XXXX credit report, which illustrates the fraudulent items. Additionally, I have included a copy of the FTC Identity Theft Criminal Complaint as proof that these accounts are fraudulent.
Product: Debt collection

I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : BARCLAYS ACC # XXXX. Date Opened XXXX. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.
Product: Credit card

I am writing to express my extreme dissatisfaction with the recent delay in posting my payment to my Capital One credit card account. On XX/XX/2023, I made a full payment of {$550.00} with my checking account I normally use. However, I was informed that the funds will not be released until XX/XX/2023, resulting in a six-day delay. 

This delay is unacceptable and unfair. My payments to this card, issued by the same bank I used for payment, typically post within 24 hours. This sudden and unexplained delay is not only inconvenient but also raises concerns about the reliability and efficiency of your system. 

This delay have negative consequences for my credit score and even cause late fees on other accounts linked to my credit card. I have not been able to buy food, pay my bills or buy my medicine due to this. It is unacceptable that paying my bill in full, through your own systems, could lead to such penalties. 

I request immediate action to expedite the posting of my payment and ensure this issue does not occur again. I expect a clear explanation for the delay and a confirmation that no late fees will be applied to my account as a result of this error. 

Furthermore, this incident has significantly eroded my confidence in Capital One as a credit card provider. The inconsistency and potential risks associated with delayed payments are extremely concerning. I urge you to address this issue and provide assurances that such delays will not be a recurring experience for your customers. 

I look forward to a prompt and satisfactory resolution to this matter. Please feel free to contact me at to discuss this further. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion, XXXX and XXXX have all been reporting inaccurate information on my credit report that has been affecting me negatively. I've been sending in dispute letters for XXXX XXXX Account Number : XXXX it has been disputed several times for inaccurate information and still hasn't been removed. my latest letter was sent XXXX they are violating my 609 fair credit act rights and I would like you to make then remove XXXX XXXX Account Number : XXXX from all my reports.
Product: Credit reporting or other personal consumer reports

This is another attempt to inform the credit bureaus that I am a victim of identity theft and to dispute specific records in my documents resulting from this crime. The records in question are not related to any transactions involving goods, services, or money that I have made or authorized. Regardless, please block any information in my credit record that resulted from alleged fraud. Per Section 605B of the FCRA, credit bureaus are required by law to remove any items or information found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX