23daVinci/CFPB_Complaints huggingface dataset:
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 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 has violated my rights. Or list of inquiries 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

Hi ... I have been receiving notices and excessive amount of phone calls regarding the debt I already paid for 4 years ago. I did a XXXX procedure with no insurance and as been a cash customer I have given a discount of {$1000.00}, I have a invoice showing the discount and have sent them to the respective companies requesting for that same payment. My account was paid in full in 2014. I really do not understand why this amount has gone to the collections department when I have sent various letters and the invoice to show them that it was a DISCOUNT given by the branch I was been seen at. 

Despite providing everything I still receive phone calls daily and notices regarding the amount. Please help me to solve this ASAP.
Product: Debt collection

The company, Transworld Systems. Also known as TSI continuously fail to properly validate a medical debt they say I owe. On XX/XX/2108, I requested a debt validation. They only sent me a print out of a bill, which included private medical information. They failed to send me a requested HIPPA release form with my signature on it authorizing XXXX XXXX to share my private medical information with them. 

Yet, they continue to report negative information to the credit bureaus making it hard for me to maintain good credit. They claim that the situation was resolved, but it wasn't. 

The debts are in the amount of {$1000.00}, {$500.00} and {$250.00}.
Product: Credit reporting or other personal consumer reports

Formal Complaint Against XXXX XXXX XXXX for Mishandling Account and Violating Consumer Protection Laws To Whom It May Concern : I am writing to formally file a complaint against XXXX XXXX XXXX for its ongoing and systemic mishandling of my account, failure to provide access, and actions that have negatively impacted my credit report. These actions violate my rights as a consumer under federal laws, and I request an urgent investigation into XXXX practices. 

XXXX has repeatedly refused to provide me access to my account despite my information being accurate and present in their system. This has directly obstructed my ability to make payments on my loan, manage my billing obligations, or rectify any discrepancies. As a result of their failure to resolve this issue : 1. My account has been falsely reported to credit bureaus ( including Experian ) with negative marks, citing reasons such as serious delinquency, historical loan delinquency, and time since delinquency is too recent. 
2. My credit score has been unfairly impacted due to XXXX negligence, resulting in a denial of credit from other financial institutions. 

Attempts to Resolve the Issue I have made multiple attempts to resolve this matter directly with XXXX, including : Creating 5-6 investigations with their internal team, all of which were closed without any resolution or follow-up. 
Providing accurate information such as my email, phone number, and loan details to verify my identity and gain account access. 
Despite these efforts, XXXX unlawfully demanded sensitive personal information, such as my Social Security number and credit card details, over the phone. 

When I briefly regained access to my account, through an old link found on text I regained access to my account and I discovered that all my personal information ( XXXX and phone number XXXX ) matched their records ; Even with this, the next month they persisted in only wanting to receive my credit card information and zip code via phone only and refused to allow me to handle my account online personally for payments. This further demonstrates XXXX  mishandling of my account. 

Additionally, XXXX has failed to provide proper transparency or support throughout this process. Their refusal to investigate raises concerns about potential systemic issues and fraudulent practices against customers. 

Supporting Evidence Attached to this complaint are the following documents for your review : Screenshots and records of my account information as initially entered. 
Documentation of my repeated attempts to resolve this matter with XXXX. 
Experians credit report showing the negative impact of XXXX  false reporting. 
Denial of credit letters from other financial institutions citing delinquencies caused by XXXX  reporting. 


Sincerely, XXXX XXXX
Product: Credit reporting

During a period between XX/XX/XXXX-XX/XX/XXXX I was required to visit the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. At the time I was without any form of insurance, and applied for and was approved for what was then termed " XXXX XXXX '' which was sponsored and paid directly by XXXX for uninsured, low-income patients. However, the application was apparently mishandled and the information never properly submitted, so I now have multiple negative credit items reflected on my credit reports ( for several visits, but all covered by the submitted XXXX application at the time ) Due to the manner in which billing is done at the medical center, these negative items are being reflected as different credit items from several departments, and none of them acknowledge or notate the approved XXXX XXXX assistance by XXXX. The items listed and in need of removal include the following : XXXX $ XXXX XXXX $ 76.00XXXX XXXX $ XXXXXXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXXMy credit score is at least XXXX points lower than it should otherwise be as a result of the failure/refusal of XXXX and the credit bureau 's to remove the items covered by my XXXX insurance.
Product: Payday loan, title loan, personal loan, or advance loan

World Finance XXXX XXXX had a line of credit open for me since XX/XX/XXXX. However it was under a third party company called XXXX XXXX XXXX. The company gave me all the details and said it been open since XX/XX/XXXX and there was as a balance due of XXXX to be paid in full but I have never applied for a credit card or line of credit at all. I communicated to the company it was fraudulent. I havent lived in XXXX  in XXXX and XXXX XXXX  years ago. I currently reside in XXXX  as of XX/XX/XXXX and prior I was in XXXX for exactly XXXX  years. This account was recently brought to my attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) 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
Product: Checking or savings account

This is the email I sent to Capital One : In XXXX, I received an email requesting that I verify personal information, including my Social Security number, address, and a copy of my drivers license. Unfortunately, the form provided lacked any security credentials, and I was unwilling to use an unsecured tool to submit the information and unable to submit the requested documents through the secure portal. To ensure the matter was handled securely, I visited a branch in person, where the branch manager submitted the required information on my behalf.

I received no follow-up or confirmation from Capital One. Then, this past weekend, all of my accounts were suddenly locked. This caused significant inconvenience when I attempted to make a purchase and had my card declined. Despite spending over an hour on the phone and speaking with four different representatives in your call center, I was unable to resolve the issue or regain access to my accounts. 



As a loyal customer with multiple accounts, including a business account, I find this experience unacceptable. I have always trusted Capital One to provide reliable service, but this incident has shaken my confidence in your ability to safeguard and manage my financial accounts effectively. 



I am requesting your urgent attention to resolve this matter and restore access to my accounts. I would also appreciate an explanation of how this situation occurred, along with assurances that measures will be taken to prevent this from happening again in the future. 



Thank you for your time and prompt attention to this matter. I look forward to hearing from you or a senior member of your team as soon as possible.
Product: Debt collection

My identify was stolen between the years XXXX. I filed a police report Incident Number XXXX once I had learned about this account. 

From my understanding, this account XXXX from XXXX was opened without my consent or knowledge and was later sold to Credit Corps Solutions. When I requested for further information on the account, neither XXXX or Credit Corps Solutions were able to provide the itemized receipts that led to the account balance. I have suspicions that the total amount are accruals from interest, but I have no access to this information as it is not my account. 

The person who stole my identity had opened a number of accounts under my name in the years spanning XXXX in which I followed XXXX recommendations to ( 1 ) execute a credit lock for years and ( 2 ) enrolled in Fraud Protection. I suspect the person was a previous roommate who had access to my information and home address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I as a consumer sent via certified mail an affidavit of truth to TRANSUNION LLC Tracking # XXXX stating there were unauthorized inquiries on my credit report. 

TRANSUNION LLC received and signed for the affidavit of truth on XX/XX/2023. 

TRANSUNION LLC then sent a letter on XX/XX/2023 Ref : Explanation of the inquiries on Your Credit Report with file number : XXXX Therefore TRANSUNION LLC has violated my Fair Credit Reporting Act ( FCRA ) rights.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccuracies in my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. After reviewing my credit report dated [ insert date ], I have identified the following items that I believe to be incorrect : Under the FCRA, I have the right to dispute inaccurate information in my credit report, and I am requesting that you conduct a thorough investigation of these inaccuracies. According to 15 U.S.C. 1681i, you are required to investigate my dispute within 30 days of receiving this letter, and I expect to receive a written response indicating the results of your investigation. 

Please ensure that you notify the furnishers of this information of my dispute, as required by the FCRA, and that you provide me with a copy of my updated credit report should any changes be made as a result of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated timeframe.
Product: Checking or savings account

Account ending in XXXX was opened by Wells Fargo reps, closed out with an overdrawn balance in amount of {$190.00}. Balance includes two external funds transfers into account in amount of {$50.00} as well as a provisional credit reversal in amount of {$290.00}, bringing the overdrawn balance to $ XXXX. As stated before, the account was opened by Wells Fargo reps, presumably to used for bill pay. When this account was reported to Wells Fargo as fraudulent, two mediation request forms were sent to me, both filled out, given a tracking number of XXXX Most recently, I've been calling Wells Fargo Mediation at XXXX attempting to speak with someone regarding case, was initially told someone would reach out by calling me, no call received.. Additional calls were made, subsequent reps advised they are to hang up call ... Needless to say, this is yet another one of Wells Fargo many runarounds, more of which I will detail herein... With regard to account opened as far back as XXXX, I was offered a settlement amount of {$3700.00} plus IRS taxes totaling XXXX Wells Fargo sent payment in error to my old address after I moved, address never verified, which they refuse to admit to.. Additionally, the amount was reported to IRS for tax year XXXX, in which case, Wells Fargo rep referred matter to a tax professional whom in trun advised 1099 form needs to be corrected to show no such amount received or payment reissued... This is around by Wells Fargo, as CFPB can see... When I brought this information from tax professional to Wells Fargo, their rep, XXXX, chose to refer to prior CFPB replies which does not address issue...
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer. 

Decision was sent, but I cant find in my email because it was years ago.
Product: Credit reporting or other personal consumer reports

I called Conns Appliance and asked why they reported a negative report on my credit when they were paid through Bankruptcy. They report ed this after the XXXX was XXXX. I have written XXXX several times trying to get this corrected and it is still showing negative! XXXX XXXX have put on the record ( paid through payment plan and not XXXX. They are not showing this as paid through XXXX. It was put on my credit in XXXX, and my XXXX was XXXX in XXXX
Product: Vehicle loan or lease

I paid the vehicle off, with late payments being reported after payoff. Asked for a complete repair of issue and payment history. I received a statement claiming everything was correct
Product: Checking or savings account

I took a trip to XXXX XXXX and booked a hotel only they never had a room for me. I received nothing so I'm asking for the charge to be reversed back to me. 

XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX, XXXX - {$120.00} These charges I've discovered now and I have no knowledge of these cahrges being made by me because I've never heard of these places : XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX, XXXX {$51.00} XX/XX/2022 XXXX XXXX, XXXX, XXXX - {$520.00} XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX - {$69.00} XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - {$160.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - {$100.00} XX/XX/2022 XXXX XXXX XXXX, XXXX, XXXX - {$210.00} XX/XX/2022 XXXX XXXX XXXX, XXXX, XXXX - {$50.00} XX/XX/2022 XXXX XXXX, XXXX- {$40.00} XX/XX/2022 XXXX XXXX, XXXX {$23.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX {$200.00} I ask for all these charges to be reversed back into my account as I did not receive anything from any of them. My card number must have been stolen and used. I feel so much of my money has been stolen. 

Thank you, XXXX XXXX
Product: Debt collection

Progressive Management Systems submitted a negative credit report to all major credit reporting agencies regarding an alleged debt to XXXX in the amount of {$50.00}. This debt was dated XXXX/XXXX/2015. Progressive Management Systems never notified me in writing regarding this debt nor provided a right to dispute this debt. I discovered this information via the annual credit report check I completed on XXXX/XXXX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian/XXXXCredit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian/XXXX has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed - XXXX  XXXX XXXX/XXXX Inquired on XX/XX/2020 XXXX XXXX  Inquired XXXX XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report # XXXX appeared a fraudulent Bank of America account # XXXX opened on XX/XX/XXXX and a new address, also fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, PR.
Product: Credit reporting 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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 



I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Mortgage

XXXX XXXX : XXXX XXXX XXXX XXXX approved a loan for $ XXXX@13.39 % for 180 months with a payment of {$960.00} a month. 

XXXX XXXX : Household Finance Corporation/HSBC purchased the loan At the time, my mom 's income was from XXXX and a small VA pension from my late father and totaled XXXX a month ( we have proof ). Can send copies of the checks if needed. 

We firmly believe this was an illegal and predatory loan. We are currently fighting foreclosure ( court date XXXX XXXX ). 

In XX/XX/XXXX, my wife and I, along with my mother, had the deed changed to a " Right of Survivorship '' deed. When she died, the house became ours. We have jumped through all their hoops only to be repeatedly lied to about getting the loan modified. Finally we were told that there would never be a modification b/c we are not on the loan.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/2024 -- - Unauthorized Inquiry XXXX Inquiry Date : XX/XX/2024 -- - Unauthorized Inquiry
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Highest Balance : {$7100.00} Account Name : XXXX XXXX Account Number : XXXX Highest Balance : {$1300.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Highest Balance : {$390000.00} Account Name : XXXX XXXX Account Number : XXXX Highest Balance : {$8200.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$350.00} *** KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM *****
Product: Credit reporting or other personal consumer reports

I have requested this account to be removed from credit report as a victim of Identity theft as this account does not belong to me.
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 U.S.C 1681. ACCOUNT Name : 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 an 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.