23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

About a month from today ( XX/XX/XXXX ) I got a call in the morning regarding a debt from XXXX that I had supposedly accumulated over time. I 've never had a phone bill in my name. I 've always been under my parents because I 'm still a broke XXXX XXXX. The person over the phone asked my for my name, birthday, and full social security number. I told him all my info until he asked for my social. Once I realized that the phone call seemed off, I was a little hesitant to give even the last 4 of my social. He tried to tell me the phone number that the account number was under and when I said I did n't recognize it, he essentially accused me of lying. When I refused to give my number, the man on the phones tone of voice and mannerism of speaking completely change. He started to threaten me with cops coming to my house and things of that nature. I ended up hanging up eventually and immediately called XXXX. The customer service representative told me that I had no outstanding bills and that they would never call if we owed money. After that day, I did n't think much of it and went on with my life. Fast-forward to present day, I get a letter from a company ( Receivables Performance Management LLC ) saying that I owe XXXX {$5300.00}. I 've never had a XXXX account either. The letter states that they are willing to accept 60 % of the totally about due as settlement in full and they are not obligated to renew this offer. The notice date is for XX/XX/XXXX and they want the payment of {$3200.00} to be received on or before XX/XX/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/Number : 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 XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XXXX I purchased a mirror on XXXX from a seller in XXXX. I used PayPal. The total was {$430.00}. 5 minutes after I made payment the XXXX seller contacted me saying his PayPal acct was hacked and my payment didnt get to him. I immediately opened a case with PayPal per the sellers recommendation. He instructed me to submit the case as payment unauthorized. PayPal immediately closed my claim saying it wasnt unauthorized. I informed seller who says because he didnt receive payment that he wont ship mirror. PayPal will not allow me to reopen the claim as item not received nor allow me to escalate. So Im out {$430.00}. Their dispute process is purposefully deceptive. They advised me twice to click a non-existent link on bottom of page in resolution center for the case. Their chat bot will now allow me to talk to an agent, and their resolution center says its closed during a time they publish they are open.
Product: Credit reporting or other personal consumer reports

I recently discovered multiple unauthorized accounts on my credit report, indicating possible identity theft, as I never approved these accounts. I previously reported this issue and now formally request their immediate removal. These inaccuracies are causing significant distress, as they do not accurately reflect my credit history or financial responsibility. Resolving this matter has been challenging, and if it remains unaddressed, I am prepared to take legal action to protect my rights. These errors are severely impacting my ability to achieve key financial goals, such as purchasing a home and providing for my family. I urge you to resolve this issue promptly.
Product: Debt collection

XXXX. I do not know Linebarger Goggan Blair & Sampson, LLP XXXX XXXX  XXXX. I do not have any contractual obligation to XXXX XXXX 

XXXX. I never signed any agreement with Linebarger Goggan Blair & Sampson, LLP XXXX XXXX 

XXXX. I never consented for Linebarger Goggan Blair & Sampson, LLP XXXX XXXX to share my personal information. 

XXXX. My name is Copyright protected through my XXXX.

6. That copyright is registered with the Library of Congress. 

XXXX. I am advising Linebarger Goggan Blair & Sampson, LLP XXXX XXXX to cease and desist any/all collection regarding this name. 

XXXX. I am advising Linebarger Goggan Blair & Sampson, LLP XXXX XXXX  to cease and desist any and all collection against me. 

XXXX. I demand Linebarger Goggan Blair & Sampson, LLP XXXX XXXX contact XXXX and any and all third parties that they have shared or give my copyright protected information to. 

XXXX. Failure of XXXX XXXX XXXX to contact any reporting agency and have my private, copyright information will result in my exhausting my legal as well as XXXX XXXX. XXXX. No further notice besides this notice shall be given.
Product: Credit card or prepaid card

I applied for a TD bank card for 0 % charge for 15 months on balance transfers. I have the original paperwork. They now state it was only 12 months and are charging Interest at an extremely high rate. I contacted them to solve the problem and spoke with a supervisor who was not able to resolve the issue. I think they do this to scam people into using their card then charging high interest prior to end of agreement.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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: Credit card

Chime allowed an unauthorized transaction to debit my card after I got confirmation from them they blocked charges and no money has been taken out of my account. But the total opposite happened they allowed them the transaction and I still have t been refunded my money
Product: Credit reporting or other personal consumer reports

I disputed a late payment that was reported on my credit report. The account was from XXXX XXXX XXXX XXXX. It was late payment from XX/XX/2023. That account was on automatic payments and should not have been marked as late. I have disputed this and it was reaffirmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFBP I am filing a complaint against TransUnion for failing to delete inaccurate information reported by XXXX XXXX account # XXXX. I wrote a very detailed dispute letter and provided full credit reports to display clearly the errors that were detailed in my writing. I received notification the dispute was complete, so I pulled my report on today to see the results. Unfortunately, they simply ignored the questions posed in my letter and did not provide documentation substantiating their position. In fact the status update date confirms that no investigation took place as it still shows XX/XX/2018. As a result, I am requesting that you require them to fulfill their obligations under the Fair Credit Reporting Act and remove these two accounts from my Transunion report. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.
Product: Checking or savings account

USAA has locked me out of my account. I called for them to unlock my account I gave them my e-mail address which I use to send me a security code for me to log into my account and USAA told me they couldn't send me one. XXXX check company even though I had money caused me {$170.00} in overdraft fees, USAA refunded one set but has refunded the other 6 overdraft charges which totals {$170.00}
Product: Checking or savings account

On XX/XX/XXXX I went to the Chase branch on XXXX XXXX XXXX in XXXX NY to make a deposit at the ATM. I inserted XXXX {$100.00} bills, the machine took the money and then had a malfunction. I received a ticket stating there was a malfunction and to call the Chase number to verify my deposit. I called and Chase put the {$1900.00} in my account XX/XX/XXXX. on XX/XX/XXXX Chase took {$1700.00} from my account stating they could only verify {$180.00} deposit. At that time I requested another investigation. on XX/XX/XXXX Chase stated they did a second investigation and could not locate the deposit. I spoke with the Branch Manager on XX/XX/XXXX who submitted a complaint on my behalf, recommended I get a police report which will allow the bank to access the cameras, which I did. She also informed me that the ATM I used is a Chase ATM but is serviced by a courier company. I was contacted by Chase and was told to give the Police report number to the Claims department which I did.
Product: Student loan

I need help! 

I am writing to express my deep concern and frustration regarding my application for XXXX XXXX XXXX XXXX ( XXXX ). I have been diligently paying my student loans to XXXX since graduating from college in XXXX and have dedicated the past 20 years to serving as a public school XXXX for the New York XXXX Department of Education. As such, I believe I clearly meet the requirements for XXXX. 

Unfortunately, I have encountered several confusing interactions with representatives and a complete lack of clarity regarding my application status. Despite submitting my application and providing all required documentation, I have been unable to get a definitive answer regarding my eligibility for forgiveness. I have been continuously directed to apply for consolidations without any explanation for why these additional steps are necessary. 

This lack of communication and transparency is extremely stressful and disheartening. After faithfully fulfilling my commitment to public service and diligently making loan payments for over 20 years, I find it unacceptable that my application remains in limbo without any clear explanation or path to resolution. 

I urge you to review my application and provide a detailed explanation of why my loans are not being forgiven. Additionally, I request that you investigate the communication breakdown I have experienced and ensure that I am connected with a knowledgeable representative who can address my specific concerns and provide clear guidance on next steps. 

According to XXXX website XXXX XXXX XXXX XX/XX/XXXX. I am available to provide any additional information requested and look forward to your prompt and thorough investigation into this matter.
Product: Checking or savings account

I have two complaints I want to file against Ally Bank. For the past 2 months I have had problems logging onto the Ally Bank website to manage my checking account. Each time I log onto the account I am forced to enter a security code that they send to me by my email account. Sometimes the code does not arrive at my email account and I can't log onto the account. I have filed numerous complaints about this with Ally Bank and they refuse to fix the problem. I would like to say I have had the same computer for 3 years and do not travel. There is no problem with my computer. I use this same computer to log onto other financial institutions with no problems. I have complained to Ally Bank numerous times about this problem. This bank refuses to fix the problem. I want to find a second complaint against them. Recently, Ally Bank contacted me saying they will no longer send me the security code to my email account. They now want to text or call me to send this code to my telephone. I want to file a complaint against this as well. I do not want to use my telephone as a means of logging into my checking account. This is an invasion of my privacy. I should not have to have or use a telephone to maintain a bank account. My telephone is paid for by my employer and they must pay for all the incoming calls. My telephone does not support text messages. I have filed complaints with Ally Bank about this new policy they have and they refuse to exempt me from this new rule they have. I want something done against this bank. I have been treated very unfairly. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XX/XX/year> To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXXXXXX XXXX XXXX XXXXccount Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 


XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, _________________________________________ XXXX XXXX
Product: Debt collection

I have received multiple phone calls and text messages from " debt collectors '' attempting to collect this debt although this debt does not belong to me and I have been trying to get it removed. During the time I was on XXXX XXXX military orders and no permanent residency. 
FCRA 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open a savings account with a credit union but was blocked due to a XXXX XXXX charge-off from Fifth Third Bank saying I owe {$140.00}. I have never had an account with Fifth Third Bank. In the past few years up till XXXX, I have had multiple credit checks without this issue being flagged. I have had first-time homeowner counseling with a HUD-approved non-profit in early XXXX and this issue was never flagged. 
In the past month, Fifth Third bought out MB Financial, which my parents had an account with in the past but their account was closed in 2014 and they paid any balance owed. I have never had an MB Financial account. Fifth Third Bank is claiming a balance on an account that never existed and is not  giving me documentation saying that I do not owe them the amount.
Product: Debt collection

They have called from several different numbers demanding to verify my SSN. They call continuously even on the weekends. This debt is also over ten years old. They bought this from someone else and demand that I pay them today.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued by the obligor.
Product: Debt collection

Received a call from XXXX ( XXXX ) XXXX, associated with the student loan company Nelnet. Company has received numerous reports and complaints. I did not get a voicemail but I have not taken out any loans with this company.
Product: Credit reporting or other personal consumer reports

I have requested 2 previous times for the Method Of Verification and this is my 3rd and final attempt before seeking legal remedy afforded to me under the consumer laws.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax 's 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that i have marked as inaccurate : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, 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 a account without my written instructions
Product: Debt collection

I received a dunning letter from a law firm signed by an attorney. I sent a timely response disputing the alleged debt and demanding that he cease and desist from any further collection activities until he had validated the alleged debt. He sent me more dunning letters without proper validation. 
A partner in the law firm filed a state collection lawsuit against me. In court, the attorney is shifting the burden of proof onto myself, the defendant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attempted to fix this multiple times. Company is reporting debt that I believe is either expired ( over 7 years ) or completely non existent. According to the records of the party they are reporting this debt is 4 or 6 years old depending on the source they provide. Please note that based on the XXXX balance on a XXXX credit limit two options could have occurred. Company they are acting for as an agent is attempting to collect/report on debt over 7 years old or engaging is usury under XXXX law ( 16 % civil, 25 % criminal General Obligations Law - GOB 5-501 ) I've attached an analysis of compounded interest to prove my point. 

( credit limit on original defaulted card ) {$300.00} USURY RATE Compounded Int Running Balance 1 16 % XXXX XXXX 2 16 % XXXX XXXX 3 16 % XXXX XXXX 4 16 % XXXX XXXX 5 16 % XXXX XXXX 6 16 % XXXX XXXX