23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LVNV FUNDING LLC XXXX 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 LVNV FUNDING LLC XXXX 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, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX
Product: Credit card

Synchrony Bank has been charging me a " card security fee '' for payment protection services on my Lowes Card. They have apparently been charging me this fee for months and it totals hundreds of dollars. I know better than to sign up for payment protection - it 's almost always useless. I did not and do not consent to this. I spoke to a man on the phone who told me they can look into refunding me and that it might take one to two billing cycles. This is not acceptable. ALL CHARGES placed on my account for payment protection should be removed immediately.
Product: Debt collection

My consumer credit report has a collection trade-line from Midland Funding in the amount of {$1000.00} and the original creditor listed as XXXX XXXX. I've requested debt validation several times through the 3 major credit bureaus just to receive notification that the debt was verified by Midland Funding but no verification documents, as requested, were provided. A press release in XX/XX/2018 filed by The Attorney General of the state in which I reside, Pennsylvania, filed suit against Encore Capital Group , Inc. and its subsidiaries Midland Credit Management , Inc. and Midland Funding, LLC, which collectively form one of the nations largest debt buyers,. A settlement was reached and resolves the states investigation into Midlands collection and litigation practices. The agreement settles claims that Midland signed and filed affidavits in state courts in large volumes without verifying the information printed in them, a practice commonly called robo-signing. Proper verification as described in the press release are, " the amount of the debt, proof of an agreement, and an explanation as to why any additional fees are justified. In addition, " if a consumer disputes a debt Midland is attempting to collect, the settlement requires Midland to review original account documents before it continues its collection efforts and Midland must provide these substantiating documents to the consumer free of charge. Joining Pennsylvania in the settlement were Attorneys General from Alaska, Alabama, Arizona, Arkansas, Colorado, Connecticut, Delaware, the District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, Wisconsin, and Wyoming. I am requesting such debt validation as I dispute the validity of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these companies below violated my rights. 

XXXX, XXXX / Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX / Account # XXXX XXXX XXXX / Account # XXXX XXXX Account # 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 XXXX ; It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

XX/XX/XXXX Chapter XXXX Bankruptcy petition # XXXX was filed in Hawaii and included creditor XXXX XXXX for an unknown amount ( guessed {$540.00} ). 
XX/XX/XXXX Chapter XXXX Bankruptcy discharged # XXXX including XXXX XXXX debt. 
XX/XX/XXXX - XXXX XXXX has continued to forward discharged debt to collection agencies. This debt has been disputed multiple times including asking the creditor ( XXXX ), debt collection agency ( XXXX ), and the credit reporting agency to remove the collection item.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 




XXXX XXXX XXXX / {$1400.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I request you remove the unauthorized inquiries from my credit report as soon as possible, as they were not approved by me and are causing me considerable distress
Product: Credit reporting or other personal consumer reports

Recently. A complaint against Experian was submitted due to allowing fraudulent information to be entered into my credit report. The response was that the issue with the reporting entity was corrected and acknowledged. I was not allowed to know who the entity responsible for the fraud is. Today. I received another alert from Experian stating the same fraudulent issue but instead with another piece of personal information. I attempted to contact Experian directly in order to follow up on this new development. Not only did they not allow me to speak to someone. I found out according to the CFBP that the original complaint response has been provided to them for me to confirm resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account that is not mine several times. XXXX keeps stating they verified through XXXX which is incorrect I have my report from XXXX and this is not on there I even have letter from XXXX XXXX  stating they sent correspondence to XXXX to remove said item
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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.
Product: Debt collection

I closed an account with XXXX several years ago. They attempted to bill for a device that was not revieced quick enough. I resolved the issue with XXXX management but the account was still turned over to collections. The first collections company contacted XXXX after I made them aware of the full situation. They removed the account from my credit immediately. It has since then been passed on to several different collections companies who all contact me and place the account on my credit report. The latest company refuses to remove it or to contact XXXX for the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

complaint : XXXX CFPB keeps sending emails requesting feedback, but the complaint has already arbitrarily been close. NOT POSSIBLE TO GIVE FEEDBACK. 
XXXX has made honest attempt and succeeded at resolution. As to Equifax... I suspect they may be part of the identity theft. Not possible to access my account with Equifax. 
I had sent certified mail to each of the reporting agencies on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to resolve the incorrect XX/XX/XXXX late payment reporting with XXXX 's but to no avail. I paid my payment in full for XX/XX/XXXX and when I inquired as to evidence of the late payment, XXXX 's provided evidence for a different account than my actual account. 

As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have soken to this company on recorded phone calls and they insured me that this error would be fixed however as of XX/XX/XXXX, it still remain on my credit report in error.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase to a store called XXXX XXXX online. The amount was for {$21.00} and another {$30.00} in points that I have accumulated on my credit card. When I receive the merchandise it was not as described so I returned it immediately. XXXX XXXX told me they do not give refunds just store credit. I found that to be unacceptable. I contacted the disputes department and told them I wanted my money back. After months of them, wasting my time, they finally sent me a message telling me they could not help me. When I called to discuss why the customer service representative told me that the company agreed to give me my money back if they just supplied them with the proper information. Which is the exact opposite of what their letter told me. I can not believe that they are going to ruin our relationship with me considering that I spend about {$3000.00} a month on this card. I just want my {$53.00} back. I have never dealt with such incompetent people. This is the second time Ive had an issue with them on a dispute.
Product: Credit card or prepaid card

This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit reporting or other personal consumer reports

If you look at my history of disputes with the CFPB I have been making complaints about the same accounts for 2 years now XXXX XXXX and XXXX xxxxxx. TransUnion fails to conduct proper research for the inaccuracies on my credit file. The XXXX. Late Payments After XXXX : Reporting monthly late payments post-charge-off is redundant, misleading, and a violation of FCRA 607 ( b ), which requires maximum accuracy. A charge-off already indicates delinquency, and additional late payments are inaccurate. XXXX. Re-Aging of Account : Repeatedly updating this account as a new delinquency unlawfully extends the statute of limitations and harms my credit profile. This practice violates federal law. 3. Reports a balance inconsistently across credit bureaus, this violates FCRA 1681s-2 ( b ) Under FCRA 609 ( a ) ( 1 ), I am entitled to review the documentation used to verify this account, including : -The original contract bearing my signature. -Complete payment history and proof of default. -Documentation substantiating the charge-off and any updates.. Ive attached the letters and the screenshots necessary for this complaint.
Product: Money transfer, virtual currency, or money service

I an filing w complaint against cash app ( block inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) specifically, cash app failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Student loan

Over the past month and a half I received 2-3 phone calls every business day between XXXX am through XXXX pm. When I would call back they were rude, demanded payment, and threatened to deduct my pay.
Product: Credit reporting or other personal consumer reports

There is inaccurate/ fraudulent names, phone numbers, employers and addresses being reported on my credit report erroneously by Experian XXXX XXXX and XXXX XXXX These addresses, names, phone numbers, employers names doesnt belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 604 A Section 2. states a Consumer reporting agency can not furnish a account without my written instruction. BELOW is all the accounts I need removed please ALSO please remove ALL HARD inquires TRANSUNION 1.XXXX XXXX XXXX Finance ) XX/XX/XXXX 2.XXXX XXXX ( Finance XXXX XX/XX/XXXX 3.XXXX XXXX ( Finance ) XX/XX/XXXX 4.XXXX XXXX ( Finance ) XX/XX/XXXX 5.XXXX XXXX  ( Finance ) XX/XX/XXXX 6XXXX XXXX XXXX ) XX/XX/XXXX 7.XXXX  XXXX ( Bank XXXX XX/XX/XXXX 8.XXXX XXXX XXXX ) XX/XX/XXXX XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX, XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS TO BE REMOVED XXXX 1. XXXX XXXX Last reported XX/XX/XXXX {$4200.00} Open balance XXXX  XXXX XXXX Opened XX/XX/XXXX ( 2 yrs, 11 mos ) 2. XXXX XXXX Last reported XX/XX/XXXX {$670.00} Open balance XXXX XXXX XXXX Opened Account status XX/XX/XXXX ( 2 yrs, 11 mos ) 3XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$500.00} Open balance XXXX XXXX XXXX Opened Account status XX/XX/XXXX ( 7 mos )
Product: Bank account or service

Almost two weeks ago, Ally 's fraud prevention contractor called me about a potentially fraudulent purchase. I confirmed that the transaction was unauthorized, and then called Ally 's customer service to order a new card. Both times, I confirmed whether recent transactions were fraudulent or legitimate. Ally told me that the fraudulent charge would not post. 

However, a few days later, the charge indeed posted, so I sent a message to Ally reminding them about our earlier exchange. After initially refusing to discuss the transaction over " secure messaging '', Ally claimed that the charge in question was an entirely different transaction, even though it was from the same merchant, on the same date, and for the same amount. Even though I thought we had resolved the fraud earlier, Ally insisted that I fax ( yes, fax ) some forms to them. After I replied that I had no easy access to a fax machine in 2015, Ally reluctantly agreed that I could instead email the forms " as a last resort. '' They confirmed my email address, and later said that somebody from their " executive response team '' would contact me. 

A week and a half after the fraudulent transaction, I received the mailed forms, but apparently they forgot about the electronic copies that they said they would send me. I 've also yet to receive the promised call. It seems they 've lost interest in my case, though at least I 've finally received my replacement debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are not mine I have never gave anybody permission for these things and unknown inquires. I have never signed any papers regarding these inquires, who ever did it but this is not legal. Please I ask you to delete them all.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate thse item were in dispute within 30 days now this account in violation XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$2300.00} XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$660.00} Original Creditor : XXXX XXXX  I XXXX Balance Owed : {$300000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

reporting a cancled forgiven debt with balance that has been sold