23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im submitting a follow up complaint to you today to regarding my previous submission about this issue. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1300.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed XXXX {$210.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX Balance Owed : {$670.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$370.00} -- -- -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$210.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance Owed : {$370.00} XXXX XXXX -- -- -- -- -- XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Opened : XX/XX/XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed XXXX {$210.00} XXXX XXXX XXXX  XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$670.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$1300.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : {$8000.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account. 

XXXX XXXX Balance Owed : {$270.00} - The account status that is recently filing on my own credit record is having an impact on my option to acquire guarantee to obtain a latest loan inquiry, please have evidence that this is being recorded truthfully as per the Fair Credit Reporting Act recommendations, this can be a serious thing to mis-report. If you can't verify this data as being 100 % correct please be sure to erase the item immediately! Thank you
Product: Debt collection

I have a collection with SARMA -account # XXXX totaling {$9900.00} from XX/XX/XXXX. The original creditor ( XXXX ) and myself came to an agreement and they took back the debt and closed the account. On XX/XX/XXXX XXXX removed this collection from my credit report but XXXX did not. It stills shows as open. I need SARMA to contact all XXXX credit bureaus and remove the collection from my credit report asap. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting AcXXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

I am writing to formally complain about the repeated and unsuccessful attempts I have made to rectify inaccurate items on my credit report. The continued presence of these inaccuracies is causing me significant distress and financial harm, and I am deeply dissatisfied with the lack of resolution. 

The inaccurate items that have been reported on my credit profile are having a detrimental impact on my creditworthiness and overall financial stability. I initially identified these discrepancies, and since then, I have made numerous diligent attempts to have them removed through your organization. Unfortunately, my efforts have not resulted in any meaningful resolution. 

I first submitted a dispute request to address these inaccuracies, providing all the required documentation and evidence to support their inaccuracy. However, my dispute was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second request, reiterating the evidence that these items are indeed inaccurate. To my disappointment, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. Regrettably, I have not received any communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not overstate the severe consequences these inaccurate items have had on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive and impartial investigation into the legitimacy of these inaccurate items and, if found to be erroneous, their swift removal from my credit report. Furthermore, I request written documentation confirming the correction of these inaccuracies and their impact on my credit score.

I also urge your organization to enhance its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to manage credit reporting accurately and fairly. The following items are needs to be removed by the Credit Bureaus : 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
Product: Debt collection

I am writing to file a formal complaint against XXXXXXXX XXXX  and Transunion Credit Bureau regarding their failure to remove an account from my credit report that does not belong to me. 

Name of Collection Agency : XXXX XXXX Account Number : Unknown Date of Collection Notice : XX/XX/2023 I have recently discovered that XXXX XXXX and Transunion Credit Bureau have reported an account on my credit report, and upon careful review, I can confirm that this account is not mine. The inaccurate information has negatively impacted my credit score and financial standing. 

I have taken the following steps to rectify the situation : Dispute with Credit Bureaus : I have filed a dispute with the major credit reporting bureaus ( XXXX, XXXX, and TransUnion ) to have the erroneous information removed. However, despite my efforts, the inaccurate account remains on my credit report. 

Contacted XXXX XXXX : I have contacted XXXX XXXX and Transunion Credit Bureau directly to request the removal of the erroneous account. Unfortunately, my attempts to resolve this matter with them have been unsuccessful. 

I seek your assistance in addressing this matter and ensuring XXXX XXXX  and Transunion Credit Bureau complies with the Fair Credit Reporting Act ( FCRA ). I kindly request that the Consumer Financial Protection Bureau investigate this issue and take appropriate action to have the inaccurate account removed from my credit report. 

I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting the collection account XXXX on my consumer report. I have disputed this account directly with the collection action. I do not owe any such debt and I am refusing to pay this alleged debt and wish to have the CRA 's cease and desist any further reporting of this account. I am disputing this account based on accuracy and request XXXX and Equifax to investigate this account for maximum accuracy and completeness. Please see the attached documentation directly from the collection agency and delete this account immediately from my report.
Product: Credit reporting or other personal consumer reports

I have ask numerous times for verification of the debt and to have the inaccurate information removed. No one responses or corrects. This is hindering and damaging to my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an XXXX XXXX XXXX credit card ( administered initially by Bank XXXX XXXX ) for years without issue, always paying my full monthly balance each month through an automatic withdrawal from my bank account. I use this credit card only occasionally for travel expenses and otherwise mostly rely on other cards for my routine day to day expenses. A few months ago, my credit card account was transferred from Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) without any notice, written or otherwise, to me. At the same time my longstanding autopay was cancelled. I was not furnished replacement credit cards or other notice that the small monthly ( non-delinquent ) balance of a few XXXX dollars was being transferred to a new bank, without my autopay, and without a chance for me to easily pay the balance. I did not notice an issue with the credit card as I do not regularly use it when I am not travelling. XXXX began to leave me voicemail messages simply asking me to call their XXXX number without giving other information, I assumed this was spam as I had no known accounts with XXXX. They finally sent a written notice via mail to my home address demanding payment for an outstanding balance ( showing an account number last XXXX digits that I did not recognize, without any other statement details, including the amount owed or other details that would verify that the notice was not spam/junk mail ). This led me to call them and finally understand that they had taken over my account, cancelled my autopay, and now charged me several late fees and interest, and reported my account as delinquent to credit rating agencies, all without having given me proper notice or a chance to pay off the small balance. I immediately paid the outstanding balance ( they did waive the late fees and interest ), and closed the credit card account. The credit reporting issue is the a major outstanding problem, as I am looking into buying a home very soon. Since my account was not properly handled and I was never given an appropriate opportunity to pay the balance, the delinquent notice on my account is inaccurate and should be immediately removed from my credit reports to repair my credit before I seek financing for a home mortgage loan. I have never had issues with credit card debt and this issue will significantly impact my otherwise excellent creditworthiness. When I called XXXX with this issue, I was told they would " look into it but can not promise anything. '' This is not an acceptable response and I need my credit to be repaired immediately.
Product: Money transfer, virtual currency, or money service

Dear Sir or Madam, My name is XXXX XXXX XXXX from XXXX, owner of XXXX XXXX XXXX XXXX a travel agency holding a membership account with Transferwise. 
Were informed about XXXX XXXX is apparently one of the Transferwise partner banks and we are contacting you for help since Transferwise staff say that the matter is beyond their control and its to be handled by their partner bank. 
On XX/XX/1919, we initiated a XXXX USD wire from our Transferwise account going out to XXXX XXXX XXXX as payment for gorilla tracking tickets for our clients. The wire was meant to take just a few hours to reach the recipients account but didnt. 
On Tuesday XX/XX/1919 afternoon, we received an emails from XXXX saying ; Hi XXXX, Im getting in touch regarding your recent transfer no. XXXX with TransferWise in the amount of XXXX USD. 
Due to our regulatory obligations as a financial institution, we sometimes require to conduct due diligence. Which means- were occasionally required to ask for additional information from our customers. 
Therefore, please reply back to this email and provide us with the following : What is the purpose of this payment? 
Please advise what XXXX in payment reference field is referring to? If it is an individual, please provide us his full name and date of birth. 
Is there any direct or indirect involvement of any prohibition countries ( XXXX XXXX, XXXX, XXXX, XXXX, and XXXX ) in this payment/transaction? 
Please note that should we not hear back from you, we will not be able to proceed with this transfer, nor will we be able to process any future transfers for you. 
Best regards, XXXX We sent all the required information ( in attachments here ) and followed up with several emails but there has been absolutely no response neither have they remitted the funds to the intended recipients account. 
And just to help you understand our company better, were a safari agency and the funds we transfer are actually not ours but were sending them out on behalf of our customers who even have no idea about Transferwise. The funds are meant for gorilla passes for our customers, some of whom are already in the country but cant see the gorillas because funds to purchase gorilla tickets are being held in Transferwise partner bank which do even understand the urgency of the transfer and the frustration this causes to customers and our agency as TW customers. 

XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report. 


Equifax : XXXX XXXX Account Number : XXXX {$2300.00} XX/XX/XXXX XXXX Account Number : XXXX {$560.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$2300.00} XX/XX/XXXX XXXX Account Number : XXXX {$560.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$410.00} XX/XX/XXXX
Product: Debt collection

Consumer Financial Protection Bureau Complaint Against : Capital Management Services , LP Filed By : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Email : XXXX Date : XX/XX/2025 Complaint Summary : I am filing this complaint against Capital Management Services , LP ACCOUNT NUMBER ENDING IN ( XXXX ) REFERENCE NUMBER ( XXXX ) for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) regarding an account they claim I owe. I have never signed a contract with this company and do not acknowledge this alleged debt. Despite this, they are attempting to collect on a debt that has not been validated and may be improperly reported. 

Violations and Facts : XXXX. No Contract or Proof of Obligation : I never entered into any agreement or signed any contract with Capital Management Services , LP. There is no lawful basis for them to collect or report this alleged debt. 
XXXX. Failure to Validate Debt ( FDCPA Violation 15 U.S. Code 1692g ( b ) ) : I sent a dispute and validation request, demanding : A signed contract Full account history and balance breakdown Chain of assignment and ownership Forward flow agreement or bill of sale Name and address of original creditor To date, they have failed to provide any of this required documentation. 
XXXX. Illegal Collection and Reporting ( FDCPA 15 U.S. Code 1692e ( 8 ) ) : If this company is reporting this unverifiable debt to any credit bureaus, it constitutes the knowing dissemination of false and inaccurate information. 
XXXX. Furnishing Inaccurate Information ( FCRA Violation 15 U.S. Code 1681s-2 ) : Reporting unverifiable, unvalidated accounts to credit bureaus without proper investigation and documentation is a clear violation of the FCRA. 
XXXX. Failure to Cease Communication Upon Written Notice ( FDCPA 15 U.S. Code 1692c ( c ) ) : I instructed Capital Management Services , LP to cease all communication, yet I continue to receive collection efforts and notices. 

Relief Sought : Immediate deletion of the alleged account from any and all credit reporting agencies Cessation of all collection activities Full documentation of the debt ( contract, chain of assignment, forward flow agreement ) Formal investigation and enforcement by the CFPB for violations of federal law Confirmation in writing that the account has been permanently deleted and the matter closed Supporting Documents : Collection letter from Capital Management Services , LP ( attached )
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX  for unlawfully disclosing my personal information to a third-party debt buyer, XXXX XXXX XXXX XXXX without my explicit consent. These actions violate federal consumer protection laws, specifically 15 U.S.C. 1692c, 15 U.S.C. 1692g, and 15 U.S.C. 1681e. 

Details of the Complaint Unauthorized Sale of Personal Information XXXX XXXX XXXX  disclosed my personal information, including my name, contact details, and financial data, to XXXX XXXX XXXX without my explicit consent. This violates 15 U.S.C. 1692c ( b ), which prohibits the communication of consumer information to unauthorized third parties. 

Failure to Validate or Provide Notice Before Sale XXXX XXXX XXXX  failed to comply with 15 U.S.C. 1692g, which requires written notice to the consumer and an opportunity to validate or dispute the debt before selling or transferring the account to a third party. I received no such notice prior to my information being sold to XXXX XXXX XXXX. 

Inadequate Safeguards to Protect My Information Under 15 U.S.C. 1681e ( b ), XXXX XXXX XXXX  is obligated to maintain reasonable procedures to ensure that consumer information is accurate, secure, and not disclosed improperly. Their sale of my information to XXXX XXXX XXXX shows a failure to comply with this requirement. 

Potential Harm and Misuse of Information As a result of XXXX XXXXXXXX XXXX  actions, XXXX XXXX XXXX has improperly used my personal information to initiate unwarranted collection actions. This has caused undue stress, harmed my reputation, and potentially violated additional federal or state laws. 

Applicable Laws Violated 15 U.S.C. 1692c ( b ) Prohibits creditors or collectors from communicating consumer information to unauthorized third parties without explicit consumer consent. 

15 U.S.C. 1692g Requires creditors to notify consumers of their rights to validate or dispute a debt before taking further action, including transferring or selling the debt.

15 U.S.C. 1681e ( b ) Mandates that credit reporting agencies and data handlers adopt reasonable procedures to assure the maximum accuracy and lawful handling of consumer information.
Product: Credit card or prepaid card

Receive pre approval letter, aimed at XXXX workers, I have perfect payment history, has pre approval code and everything, went to apply and was denied. This is misleading and now the inquiry has shown up on my credit report, Im angry at Capital One.
Product: Debt collection

After applying for a mortgage loan, I was notified that I had a medical collection being report by XXXX XXXX XXXX for XXXX. I reached out to the company, and they are stating this is a medical payment they received due to nonpayment, however, I have verified with my insurance provider that they made payment on this directly to the medical provider. I then requested the collection company provide me an affidavit of debt to verify they had legal rights to collect and I was the actually debtor. The associate at Gold key stated they did n't need that and hung up on me.
Product: Checking or savings account

To whom it may concern, On XX/XX/2024, I opened a new Wells Fargo checking account with a promotional offer of {$300.00} bonus after 90 days. The terms and conditions stated the following How to get your {$300.00} bonus : 1. Open Open a new Everyday Checking account from this offer webpage with a minimum opening deposit of {$25.00}, by XX/XX/2024. 

2. Deposit Receive a total of {$1000.00} or more in qualifying electronic deposits to your new checking account within 90 calendar days of account opening ( the qualification period ).

3. Enjoy Once the 90-day qualification period has elapsed, we will determine if you have met the offer requirements and will deposit any earned bonus into your new checking account within 30 days. 

It has now been over 90 days and Wells Fargo is refusing to issue the {$300.00}, even though all of the offers terms and conditions have been met.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX OF XXXX I called up because of some fraudulent activity on my card and found out that they were having issues due to an updated that effected about 1/3 of their members. 

It took months for them to resolve the issue with the fraudlent activity at which time I apparently over paid and was not informed of such until months later as my statements were messed up for months and after my payment my statements were showing XXXX and were until you lost your contract with XXXX. 

In XX/XX/XXXX you removed yourself from my credit report after I asked for you to correct my credit score because of you miss communicating with the credit bureaus because they were also showing incorrect information on what I owed for months since you had no idea. 

As you can see from the attachment this dropped my credit score it also dropped my available which increased my usage percentage. 

This has been a real nightmare and I have already filed one complain on here and they said not their account which is true now but when all the issues happened it was and you need to fix it. 

After my card was compromised in XX/XX/XXXX I never received a replacement card when they lost the account in XX/XX/XXXX. 

The statements in Black and white were obtained by XXXX XXXX from what they obtained from Comenity. The Colored statement is like pervious ones I had received from Comenity not what I received from XXXX XXXX those were completly news to me as I had never seen them before. 

Also Comenity said with the issue with my account I would not be charged interest because they could not take off the fraudulent charges and give me an accurate amount to pay then when they said they figured it out apparently they had not and I did not know or was informed until I was sent a refund check months later.
Product: Mortgage

I'm filing a complaint against Freedom Mortgage, they made me missed my closing on my house 3 times because of the previous complaint I filed against Freedom Mortgage. 
I ordered a final payout statement from them 3 times and pays {$30.00} three times I called them at least 12 times but still don't have the payout statement. 
Could someone please help me? 
Thanks