23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

A judgement on my credit was satisfied XX/XX/XXXX. I have faxed the court record proving this to XXXX and Equifax. They both told me that the judgement would be removed but they fail to do so. I can not get a loan because of their lack of follow up and I am facing eviction as a result. I am a XXXX American and need assistance immediately in getting them to repair my credit. I need assistance in getting them to repair my credit so I can get a loan at my bank. I have XXXX in real estate equity that they are preventing me from accessing. I have called them numerous times asking for assistance. They assure me each time that they will repair my credit immediately but when I check XXXX the judgement continues to appear. The credit bureaus say they are waiting for the courts to respond to them. I have spoken with the courts in the state of Washington and they are not in the position to respond due to work load. Therefore, I faxed the satisfaction of judgement to the credit bureaus and they fail to respond. This action on their part is causing me financial loss, impacting my health and will cause me to be evicted. I am filing this complaint in order to get assistance with the difficulty I am having with the credit bureaus. My residence is scheduled to be sold on the Sheriff 's Auction in less than 30 days. The credit bureaus will be held solely responsible for my eviction if they do not cooperate.
Product: Debt collection

I have received calls on numerous occasions from a collection company known as CBE Group. I have received calls several times a day from this company. Each time that I have answered, I explained to the agent that we do not know the person they are looking for and to please remove my number from their call lists. I have had this number for almost XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I submitted a Dispute with XXXX, Transunion, and XXXX. In this Dispute I asked these companies to Delete the information on my credit report because they were not reporting 100 % accurately. I also Asked these companies to send me verifiable proof. On XX/XX/2020 I still Did not receive a response from the credit bureaus so I sent in another letter asking for proof of a investigation from the bureaus. and still there was no reply. I sent another letter out letting the bureaus know that they were violating my rights as a consumer by not responding to my request. It is now XX/XX/2020 and still I have not received a response from the credit bureaus.
Product: Checking or savings account

I have not applied for a checking or savings account with this bank. Any inquiries made on my XXXX XXXX or credit file are unauthorized?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions In accordance with the Fair Credit Reporting act 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 an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 an account without my written instructions In accordance with the Fair Credit Reporting act 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 an account without my written instructions In accordance with the Fair Credit Reporting act 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 an account without my written instructions In accordance with the Fair Credit Reporting act 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 an account without my written instructions In accordance with the Fair Credit Reporting act 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 an account without my written instructions In accordance with the Fair Credit Reporting act 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 an account without my written instructions In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION 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 an account without my written instructions
Product: Mortgage

We sold our home in XX/XX/XXXX, the mortgage of that home was serviced with Dovenmuehle Mortgage Inc. At closing we had an outstanding balance of {$5100.00} in our Escrow that was to be reimbursed to us. 

No payment has been received. 
XX/XX/XXXX we called asked for payment status, Dovenmuehle said it was in the mail to wait 30 days. 
XX/XX/XXXX - Called Dovenmuehle said check was lost in the mail and need to wait 30 days for check to be cancelled and confirm it didn't get cashed. 
XX/XX/XXXX - Called, Dovenmuehle said it was not tagged in their system correctly, said it was fixed and to wait another 30 days XX/XX/XXXX - Said check was mailed in XXXX - we ask for proof of payment, said they could not provide that and then when we ask when should be get our money they replied it will take time and one day!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a hard inquiry from XXXX XXXX appeared on my EXPERIAN credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again I review my credit report and the accounts I have disputed are still in my file. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof. Please verify and investigate these reporting accounts : XXXX XXXX XXXX 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 my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX 

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 XXXXXXXX XXXX 

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

Limited my total allowed monthly payment so that all of it went to paying interest. I payed them {$2000.00} via certified mail return receipt requested, with a letter indicating that the contained amount was to be applied to the principle balance only. They state that they applied the monies sent only to the interest, and that it was policy to ignore any letters indicating how the account holder wanted the payment allocated. I am of the understanding that this is also illegal. Additionally they refuse to disclose to me how the interest on my account is calculated and applied.
Product: Debt collection

On XX/XX/XXXX I wrote a letter to XXXX XXXX XXXXXXXX XXXX, advising them that I was disputing an account # XXXX in which they claimed I owed {$650.00} to them. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local and state laws. The letter was mailed Certified Mail signature required Return Receipt. As of this date I have still not received any such validation : that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. On XXXX XXXX I pulled a copy of my credit report from XXXX with showed that the account had not been marked disputed by Midland Credit Management. On XXXX XXXX, XXXX I wrote another letter to Midland Credit Management advising them that I have retained new copies of my credit reports and noticed that they did not furnish the credit bureau ( XXXX ) with the required disclosure, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I further reminded them that they may be liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As they have violated federal law and state law, by not properly providing the credit bureaus with proper notice within the required time frame, and I have evidence of such, via certified mail receipts, they must now remove the item. On XX/XX/XXXX I once again pulled my XXXX  credit report and noted that they have not removed the invalidated file. See attached documents verifying the above statement.
Product: Credit card or prepaid card

I have called them over 10 times today trying to get a hold of the dispute center and each time Im transferred to another customer care rep. And after the 4th time being transferred Im disconnected. ADP Cardholder services has been by far the worst service I ever experienced this will be my 3rd card in a 8 month period. This will be the 2nd time my card was hack and this time over {$1000.00} was transferred out of my account without my permission or without notice from ADP.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with Maximum Accuracy. I have never been late on payments for Capital One XXXX XXXX. Please investigate and provide proof of statements showing that this payment was late. If proof cant be provided, I demand this payment be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit card

The disputed {$840.00} ( Dispute ID : XXXX ) AT & T*Bill Payment charge that was billed to your above-referenced account on XX/XX/2016. The dispute was initiated on XX/XX/2016 with a conditional credit issued to my account. CITI returned the charge to the merchant 's bank ( AT & T ) on XX/XX/2016 in an attempt to obtain a permanent credit on my behalf. The dispute was subsequently cancelled at my request on XX/XX/2016 and the conditional credit {$840.00} was reversed. CITI is telling these funds made available for the merchant/merchant 's bank. I checked with XXXX AT & T and they do not see it in their bank. They asked me to pay this amount and I paid with same credit card on XX/XX/2016. The reversal {$840.00} is mystery now. AT & T is telling that they do not see it in their bank. They do n't bother about this fund anymore since I paid them all due amounts. CITI is not helping me to find out this {$840.00} where it went. This amount is not going away from CITI account since the merchant never received this amount. I have a feeling that CITI stolen this {$840.00} and they are charging me for this and not paying to XXXX.
Product: Debt collection

I let the company know that I refuse to pay and that I disputed the debt. They let me know they were see the dispute, but they are unable to resolve my dispute due to needing additional information for me so at this time I would like this collection cease and desist all collection attempts. 


REQUEST TO CEASE AND DESIST DEBT COLLECTION ATTEMPT To Whom It May Concern : On XX/XX/2024, I was contacted by Jefferson Capital Systems XXXX regarding an alleged debt owed. Be it known, that I hereby dispute the validity of said debt. I want to know if an attorney has reviewed this account. 

In accordance with the Federal Fair Debt Collection Practices Act, XXXX XXXX XXXX, you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work directly with the alleged original creditor XXXX XXXX XXXX, to resolve this matter, as warranted. Please take note that I am declining any attempts by XXXX XXXX or any other collection agency with regards to this matter. 
In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. 
You are also requested to CEASE AND DESIST contacting me with regards to this matter, unless it is to notify me via XXXX mail that you will be terminating all attempts to collect this alleged debt. 
Sincerely, ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and XXXX! This is very inconvenient on my part!
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX also operating under the name XXXX has improperly used my information and reported inaccurate information to my credit profile. I have disputed this information with all three major credit bureaus and only received resolve with XXXX. This account being reported was being reported as two accounts with the same account number and different historical payment information and dates. This account has been deleted and needs to be updated with the other credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX XXXX XXXX for validation through US mail and through the CFPB.at the address listed. I have not received any correspondence from this company. as of XX/XX/2016, this account was charged off. The Statute of Limitations for this type of debt is three years in the state of South Carolina, This is a time barred debt for collection purposes. How is it that the payment is increasing on a time barred account? Updating the payment history is not validation, XXXX XXXX payment history is inaccurate. I have no account with XXXX XXXX XXXX. This a violation of my rights under the HIPPA laws. XXXX states that the account is showing an inaccurate payment history and has been sold to XXXX. Why are they still on my credit report when the alleged account has been sold to a third party collection and I never had n account with XXXX XXXX XXXX has an inaccurate payment history. 15 USC 1681a ( 2 ) ( A ) ( i ) states that ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to TRANSACTIONS OR EXPERIENCES between the CONSUMER and the PERSON MAKING THE REPORT. Reporting any type of payment, is considered a transaction. ! 5 USC 1692e ( 2 ) ( A ) states that the false representation of ( A ) the character, amount, or legal status of any debt is a violatiion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent CFOB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX. XXXX, 2020, BANK OF AMERICA add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA this creditor, BSI Financial Services, has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquires from companies I don't know and that I haven't personally applied to myself I called and sent disputes that didn't work. 

They violated my right as a consumer under the Fair Credit Reporting Act ( 15USC 1681b ( a ) ( 3 ) ( B ) )
Product: Debt collection

CFPB Complaint : Capital One Charge-Off Without Proper Notice Please note : This is a template. You may need to modify it to fit your specific situation. 
I. Introduction I am filing a complaint against Capital One for violation of my rights regaring a debt charge-off. I was unaware of thi debt and was not given a fair oportunity to dispute the information before it was charged off. 
II. Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA. XXXX XXXX I XXXX XXXX XXXX. 

Last 4 Digits of Social Security Number ( XXXX ) : Account Number ( # XXXX ) : III. Description of Complaint I recently discovered that Capital One charged off a debt on my account. I was not previously notified of this debt or given the opportunity to dispute its validity. 
If Capital One believes they sent a notification, add the following sentence : If Capital One claims to have sent a notification regarding this debt, I request a copy of the certified receipt with my signature as proof of delivery. 
Due to the lack of proper notification, I have been unfairly disadvantaged in resolving this matter. 
IV. Request for Relief I request that the CFPB investigate this matter and ensure that Capital One : Provides documented proof of attempted notification regarding the debt. 
If proper notification can not be proven, rescinds the charge-off and allows me to dispute the debt. 
Provides clear information on the steps to resolve this issue. 
V. Additional Information I am committed to resolving this issue fairly and appreciate the CFPB 's assistance in this matter. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX I XXXX XXXX XXXX. 
XXXX XXXX, Louisiana XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the XXXX  data breach and have been unable to retrieve my own credit reports ( due to fraud ) for over 3 years. I send proof of my identity and if they respond at all ( sometimes they don't ) it is to tell me I have not proved myself to them. I have complied with all of their requests regarding identification and am tired of copying documents at the library to no avail. I can't even begin to repair from the fraud damage until I see the reports and in the meanwhile my id is being used to open all kinds of accounts. I have not used the credit system in over 10 years but am unable to get a job or an apartment because of factors outside of my control, which is totally unacceptable. 
Thank you