23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/2020, I submitted a second complaint against TransWorld Systems. This will be my third and final complaint with the CFPB and the next step will be seeing them in court with my lawyer, filing a complaint with the GA State Attorney General and holding a public press release. 
I have attached their response which they replied to my last complaint and the continue submitting the same information, which is a contract that was signed with XXXX XXXX XXXX. This does not answer the questions which I demanded of them and up to now, they are still validating this debt and I have a RIGHT to get a response on my questions, since they are destroying my credit worthiness without valid proof. If they can read, which up to now it does not seem that they can, I will post my questions here once again. If they can not read my full statement and reply accordingly and legally, then I will see if they can understand my lawyer 's lingo instead in court. I do plan of bringing FULL charges against them in my state as well as theirs if this matter is not immediately resolved and this debt is not immediately deleted from my credit reports. 

Here is what I am requesting for the third and final time. And just to let you know, I have records of EVERY attempt I have made with them in writing, which includes false statements they have placed on my credit reportings. No other agency is reporting false information on this account, except for TransWorld Systems, which I have clear evidence of on my credit reports. 

Among the questions I asked them, which I have attached to this complaint are as follows : 1. Copy of assignment of purchase from the original creditor. 2. Every charge and what was purchased, ie ; fee, payments, credit, interests. 3. How they calculated what they claim I owe. 4. Full chain of assignment from charge off to present. 5. Proof that they own the debt with full clear title. 6. Proof that they were on the original contract. 7. Proof that they are licensed to collect in my state. Please be reminded of XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX They never answered these questions, and did not DELETE this account from my credit being that they are not able to produce all of my requests which I have a right to obtain. In addition to that, I have attached evidence that they tried to put on XXXX XXXX that I had made a {$25.00} payment, and then suddenly removed the remark from there. They also lied saying that I was affected by a natural disaster and ; this too is untrue. I have never spoken with anyone at this collection agency to tell them this. They are the ones that put that remark on my credit reports falsely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute with XXXX and was unable to get XXXXXXXX XXXX # XXXX removed from my credit report 1.This account was included in my bankruptcy 2.The account was paid in full before I filled bankruptcy I would like to have this account Removed Or be paid {$1000.00} for having my right to privacy violated because I did not give consent to have my information shared
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/XXXX / XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CONTACT : ( XXXX ) XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

Re : Dispute of Account Status - Account with XXXX XXXX, Reported by XXXX. XXXX and XXXX Dear Sir/Madam, I am writing to dispute the status of an account reported by your agency, XXXX. XXXX and XXXX, regarding a transaction with XXXX XXXX. According to your report dated XX/XX/XXXX, the account status is marked as " Paid, '' which is accurate. However, I have concerns that need to be addressed to ensure my credit report accurately reflects the closure and satisfaction of this account. 
Account Details for Reference : Original Creditor : Appliance Warehouse Date Assigned : XX/XX/XXXX Original Amount Owed : {$72.00} Date of Last Payment : XX/XX/XXXX Status Date : XX/XX/XXXX Balance Date : XX/XX/XXXX While I appreciate that the account status is correctly listed as " Paid, '' I want to ensure that there are no discrepancies in how this account 's payment history or status is reported to credit bureaus. The account 's resolution is crucial for maintaining the accuracy of my credit report and my overall financial health. 
Therefore, I kindly request : 1. A detailed account statement reflecting all transactions, including the payment that satisfied the account balance.

2. Confirmation that this account has been reported as " Paid '' to all three major credit bureaus ( XXXX ) but not reported to XXXX, and XXXX along with the date of this reporting. 
3. Assurance that no further reporting will inaccurately reflect the status of this account, given its full settlement as of XX/XX/XXXX. 
Your prompt attention to this request is greatly appreciated. I hope to resolve this matter swiftly to avoid any potential negative impact on my credit score due to reporting inaccuracies.

Please send me a written confirmation of the actions taken in response to this letter within 30 days of receipt. Should you have any questions or require further documentation from my end, do not hesitate to contact me at XXXX or XXXX Thank you for your cooperation and understanding. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I am writing to report that the above debt collector violated Fair Debt Collection Practices Act ( FDCPA ) and reported invalidated debt into Credit Reporting Agencies.

Upon reviewing my personal credit report on XX/XX/XXXX, I noticed that XXXX XXXX XXXX was showing on my credit file with XXXX, and XXXX credit report. The debt collector reported derogatory information to the above credit reporting agencies. I have no knowledge about the reported unpaid debt and debt collector. I have never received any letter or correspondence from the above debt collector that I owe debt and the name of the original creditor to whom the debt is owed. The amount of the above debt is {$580.00} and appeared on my credit file as unpaid debt as of XX/XX/XXXX.

All my accounts such as credit cards have been settled with creditor and I pay every month as I agreed.

The XXXX XXXX XXXX violated FDCPA and reported invalidated debt or portion thereof as delinquent account. I consider this action as a fraud under both federal and state laws. I have already initiated consumer dispute with Credit Reporting agencies and this is continues to report to any of my credit reports by XXXX XXXX XXXX, I will not hesitate in bringing to legal action against them under Violation of Fair Debt Collection Practices.
Product: Credit reporting or other personal consumer reports

In the beginning of the year I contacted XXXX, which is a debt collector company that took over debt from Navy Federal ( confirmed with them ). I paid off the card with XXXX. I received another letter from a different company, XXXX XXXX XXXX XXXX, showing that it was not paid. 

I spoke to XXXX, and then XXXX XXXX and XXXX at Navy Federal Credit Union. Each person was rude and condescending. XXXX XXXX hung up in my face. I am grateful I got XXXX who listened, yet she was in the actual credit card Dept and had to transfer me. 

This HAS to be resolved. I have paid the money.
Product: Debt collection

XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VT XXXX JEFFERSON CAPITAL SY Reported : XXXX. XXXX, XXXX + {$XXXX} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SY Reported : XXXX. XXXX, XXXX + {$XXXX} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VT XXXX
Product: Credit card or prepaid card

American Express won't refund a charge for {$410.00} made to XXXX for a phone that does not work in the United States because it was stolen. The serial number comes back stolen and as a result XXXX XXXX XXXX will not activate the cell phone and suspended my cellular telephone line. The purchase was made around XX/XX/2021 and disputed XX/XX/2021 dispute ID XXXX XXXX last 5 of card # XXXX XXXX. The dispute started as a conditional credit but the credit keeps getting reversed. I want the credit permanent.
Product: Debt collection

On XX/XX/XXXX at exactly XXXX, I received a call from a company called XXXX, XXXX XXXX. Called was not answered so there was a voicemail left was from an unknown number and the number I obtained to contact the the XXXX XXXX XXXX back was XXXX. They referenced a case number of XXXX. The voicemail stated that there was a civil complaint that had been filed against me. I contacted the phone number left for me to call back at XXXX. I gave the case number and was transfered to an XXXX XXXX who notified me the complaint was from US Bank for a debt that I owed. 

US Bank was just sued in XX/XX/XXXX for improper posting of debit card transactions before deposits causing customers accounts to be overdrawn and a series of overdraft charges to be charge to consumer accounts. Which is how I came to have a debt US bank. With the XXXX Law suit US bank now has a settlement of XXXX for people in most states and based on the year that you had an account with them.. My account with US bank was through from XX/XX/XXXX-XX/XX/XXXX and for the state of colorado concerning the settlement I am elgible to be paid back for for the debt was supposedly owed by me. 

This company XXXX XXXX XXXX verified all my information which they more than likely received from public or social as they are a predatory collection company and they have complaints and are all over the internet as scammer. I did not give them infomation. They stated they would file a lien against my XXXX ford Taurus and try to sell the vehicle and was they were not able to recover from the sale of the vehicle they would then garnish my wages. I live in the state of Colorado and the statue of limitations is 6 years for debt. This group I believe is hoping to serve me with papers and hope that I do not show up so I an get a default judgement against me and then try to garnish my wages. But knowing what I know and what they do n't i am willing to got to court as i advised them
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account XXXX : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 4. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 5. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 6. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 8. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 9. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Debt collection

Requesting to dispute debts on XXXX Experian regarding all XXXX  bureaus. And the information that I received, they all come back to state that my inquiries are accurate and I know for a factor that I asked for a thorough investigation regarding this matters upon inaccuracies on my reports.
Product: Mortgage

XXXX XXXX XXXX XXXX, XXXX, as TRUSTEE OF XXXX XXXX XXXX XXXX is attempting to foreclosure on my home using fraudulent assignments I filed an affidavit of fraud with real estate div. of XXXX XXXX where XXXX XXXX state the title issues. Carrington Mortgage Services as refused to work with me on modifying my loan. Carrington has not responded to my QWR or my debt validation. XXXX XXXX XXXX needs to cancel the foreclosure until this matter is resolved
Product: Money transfer, virtual currency, or money service

I asked Venmo to freeze my account with them as I was out of the country and couldn't readily access it, which they did on XX/XX/2022. I then asked them to unfreeze the account on XX/XX/2022, which they said they would look into within 6-7 business days. I sent a separate request for unfreezing my account on XX/XX/2022, finally getting a response on XX/XX/2022. I was asked to upload a picture of government issued ID, and a picture of me holding it. I uploaded a photo of my passport and selfies of me holding it on XX/XX/2022, which was rejected. I find it incredulous that a passport -- arguably one of the most secure forms of ID issued by state or federal government -- could be rejected. I have since sent a photo of my driver 's license, but this is just ridiculous, and arguably unsafe for me to keep transmitting photos of my IDs all in the name of keeping me safe.
Product: Money transfer, virtual currency, or money service

In the middle of XX/XX/2020, I attempted to log into my account with Coinbase. It would not accept my password so I attempted to reset it. I had used my work email to set up the account, and since then, my company rebranded and changed out work email. This created an issue where I was not able to get the auto email sent to resent my password ( even though I had not changed my password and still have it ). I was unable to get ahold of Coinbase for assistance for 2 weeks. I ended up using the phone service to lock my account in an attempt to get someone to contact me. Finally on XX/XX/XXXX they did. They told me that I would need to create a new account, verify it, and then they would tranfer my balance to the new account once verrified. I followed all steps, going back and forth with them via email, to take care of all the tasks they asked of me. Once I had my account setup and verified, I never heard from them again. The last email i got from them was the XXXX of XXXX. I sent them an email on the XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and again today the XXXX. I have yet to recieve a response. They were once very responsive but as soon as I had completed the steps they wanted me to take, I have yet to hear back despite my attemps to contact them. All I want is for them to finish what they promised to do and transfer my blanace to my new account so that I have access to what is rightfully mine.
Product: Credit card or prepaid card

XXXX ,  XXXX ,  2017  On  XXXX   XXXX ,    2017  I dispatched a payment in the amount of {$41.00} to Walmart Credit Card, my original due date was  XXXX ,  XXXX     2017. A Walmart  operative stated that my payment didnt reach them still  XXXX ,  XXXX   2017 , and I would be charge at late fee of {$37.00} to  bill I told the employee that I brought and mailed my payment from The   XXXX   Postal Office,  and that this negligent was out of my Hands and could have been the Postal Office responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

WE WERE GIVING NO CHOICE BY WELLS ON WHAT CREDIT REPORTING AGENCY TO PULL, THEY FORCED US ON XXXX  WHICH IS THE WORST OF ALL, THEY ARE IN COLLUSSION TOGETHER AND BREAKING DODD FRAN ACT. REMOVE ALL HARD PULLS FROM XXXX  OR FACE CLASS ACTION LITIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following the receipt of my credit report late last year from the XXXX, XXXX and TransUnion consumer reporting agencies, I learned of an two separate adverse accounts from XXXX XXXX XXXX  and the U.S. Department of Education. Said accounts reported to all three credit reporting agencies under account numbers XXXX and XXXX - exact same account, reporting as two separate creditors. 


I never had two separate student loans. Disputes with the credit reporting agencies were for naught as both XXXX XXXX XXXX and the U.S. Department of Education merely confirmed the accounts. I complained to the creditors about the duplicate reporting - in writing - and even completed disputes with the credit reporting agencies. They were also ignored with no explanation whatsoever. 


Once again - I never maintained two separate student loan accounts. This companies ignored my concerns despite evidence to the contrary and complaints to the XXXX, XXXX and TransUnion consumer credit reporting agencies. My FICO credit scores have been severely impacted as these separate accounts report as collection entries. 

I now file my complaint to the CFPB seeking relief.