23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good Day, I am a XXXX year old woman who had no idea I owed this bill at all until I was trying to buy a house and they checked my credit and found out I had all these collections on amounts as low as XXXX!! and I had no Idea that I owed them. I asked the company from my loan officer and I contacted the lady who was in credit bureau department and asked her what these were for she informed me she was not a billing clerk but a collection agency and I told her I had not received and phone calls or written information for these bills and I asked her if they were for XXXX hospital and she said no the doctors and at XXXX ( XXXX ) you can not see the doctor without paying your copayment in the kiosk when you check in so she said she would send me a detailed statement that was on XX/XX/2019 and I have yet to receive it! I have 100 percent payments on time on, my report do you really think I would let a XXXX payment lapse for months I am furious I am to old to have my credit ruined by a company who does not do there job! They are showing two accounts paid and I have not paid them a dime so that must be in the system from XXXX doctors I am not sure but she gave me my acct number and I have sent checks in for everything I saw on there website and I am hiring a lawyer to take care of this injustice! I feel like everyone of those from AMSHER COLLECTIONS should be removed off my credit report and they should have consequences to pay for ruining a persons credit I have never had this ever happened to me I expect nothing less than justice.
Product: Credit card

This account represent a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : SANTANDER BANK, N. A XXXX
Product: Credit reporting or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of fraudulent activities. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following items that needs to be remove in my credit file right away : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX  XXXX Balance XXXX {$260.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1500.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; 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 XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$380.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$260.00} ; XXXX XXXX  XXXX Balance : {$380.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX & XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax has obtained my information unlawfully, Equifax has shared my information creating a consumer report without my written instructions
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 XXXX, Equifax and XXXX Credit 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. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

OLD AND INCORRECT INFORMATION WRONG ACCOUNT BALANCES THAT I HAVE PAID. THEY USE XXXX XXXX IS ALSO REPORTING A {$900.00} BALANCE XXXX XXXX CREDIT REPORTING IS WRONG AND SHOULD BE REMOVED OVER SEVEN YEARS OLD. INCORRECTLY REPORTING {$900.00} I PAID XXXX. SOMETHING IS VERY WRONG HERE.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian, XXXX and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX XXXX Account Number : XXXX. The Last Reported amount for this account on XXXX and Experian is XX/XX/XXXX. The Last Reported for this account on XXXX is XX/XX/XXXX. For the last two years, XXXX is showing this account has not been reporting since XX/XX/XXXX. Experian is showing this account reporting in collections since XX/XX/XXXX. XXXX is showing this account reporting in positive payment history since XX/XX/XXXX. This is inaccurate reporting history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. There is no way to confirm which bureau is reporting correctly and which is inaccurate. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. XXXX, XXXX and Experian failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following : Account Name : XXXX XXXX Account Number : XXXX
Product: Bank account or service

XXXX ( Social Security Number ) Complaint Against Regions Bank I, XXXX open up an account with this bank on or about XX/XX/2017 and was promised a promotion of {$400.00} by bank rep XXXX and now the bank seems as if it does not want to give me the promotion I did everything the bank told me to do.
Product: Credit card or prepaid card

I have had no late payments for any of my credit cards, for this US bank card, zero late payments, yes my balance drastically went up in XXXX because of COVID-19, but still never a late payment. When I did get the extra money, I paid it completely off in late XX/XX/XXXX, {$6000.00}. When I used it in XX/XX/XXXX for work, a big purchase, it was declined. Finally got on the phone to speak to them, and they lowered my limit from {$6000.00} to {$700.00}! And that i was over my credit limit. This has greatly affected my credit utilization from 66 % to 97 % and even though I have excellent payment history, I now have horrible credit! I would completely understand if someone were a deadbeat and not paying bill on time regularly and you penalize them with a rate increase and decreased credit limit ... but this is crazy. Lowering credit limit based on other reporting credit score that doesn't take into consideration issuer credit history is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equi fax , Inc.  is not reporting the correct i nformation from the employer in that on the amount paid not showing Historical Account Information whi ch is incorrect. I told Equifax this on several occasions but still doing it. The information show that on  XXXX /2017 no data available but at the top the last payment was on  XXXX / XXXX / 17  for {$90.00}. The historical account information is what Equifax is adding to the account which is incorrect. On  XXXX /2017 showing no payment but show amount past due as {$0.00}. I need for Equifax to stop using historical account information because it is sending the wrong message and this is what Equifax is doing on its own and need to stop because this is hurting my credit report Instead of putting down date of payment, balance, amount of payment, schedule payment and etc.
Product: Checking or savings account

XX/XX/XXXX, {$2600.00} transferred out of my account via instant transfer to card XXXX Same day {$39.00} was refunded for transfer not being made instantly XX/XX/XXXX, my bank sent back {$2500.00} was sent back to my account as a chargeback. I was told that it could take up to 45 days to be credited XX/XX/XXXX, my bank spoke to your process partner XXXX that {$2500.00} was processed by them but they can't see where it went only cashapp can. My bank spoke to them on XX/XX/21. 


XX/XX/XXXX, was the 45th day and my money {$2500.00} still hasn't been credited into my account. 


Reference # XXXX Tracing # XXXX This is my banks reference and tracing number of the charge back sent to my account. 

My bank has explained to me that cashapp has my money of {$2500.00} as of XX/XX/21. XXXX did process the funds on that day.. 
XXXX needs to be contacted to manually credit my account with cashapp. That has to be done by cashapp.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  and XXXX account # XXXX and XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. I submitted evidence showing that they are not reporting my account 100 % accurately. After that they updated my account with more inaccuracies. U.S.C 1681 section 602A states I have the right to privacy. U.S.C 1681 604A states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/XXXX there was a charge put on my venmo for {$52.00} at XXXX when I had a XXXX, balance there was no money on the card and venmo authorized the unlawful transfer and now is billing me for it I have put in a dispute against the Unauthorized purchase & venmo has denied my claim.. It is a prepaid card it has nothing else hooked to it no checking account no other credit cards.. 
On the receipt it shows that it was supposed to be done through my XXXX pay but I have gone to my XXXX pay receipts and nothing shows up of this purchase.. With this venmo being a prepaid card and having a XXXX balance nothing should have been charged.. I remember one time I went to pay my power bill and I was XXXX cents off and the charge was denied cause I was XXXX cents off but they're gon na authorize A {$52.00} charge when there was a XXXX balance something fishy but venmo is not willing to listen..
Product: Debt or credit management

XXXX and XXXX XXXX agreed to a {$150.00} XXXX tuna  settlement to resolve claims they conspired with other tuna  companies to raise and fix the price of canned tuna. 

The settlement benefits residents of Arizona, Arkansas, California, the District of Columbia, Florida, XXXX, Hawaii, Iowa, Kansas, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Carolina, North Dakota, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, West Virginia and Wisconsin who indirectly purchased cans or pouches of tuna smaller than XXXX ounces between XX/XX/XXXX, and XX/XX/XXXX. 

The multidistrict litigation against the tuna companies claims they conspired together to raise and fix the prices of canned and pouched tuna products. This conspiracy allegedly allowed them to overcharge for products. 

XXXX  is a canned tuna brand. XXXX XXXX is a former owner of XXXX XXXX XXXX, another tuna manufacturer. 

XXXX and XXXX havent admitted any wrongdoing but agreed to pay {$130.00} XXXX and {$6.00} XXXX, respectively, to resolve the class action lawsuit. When these settlement benefits are combined with the {$6.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX settlement, class members could benefit from {$150.00} XXXX in available settlement funds.
Product: Credit card or prepaid card

XXXX was closed by without resolve. No response was ever received and IT IS IMPOSSIBLE to get anyone at HSBC to respond to me. This is my THIRD complaint to you and you have donr NOTHING
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting to XXXX ; XXXX  and Transunion a balance due in the amount to of {$4300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have a daughter with special needs and I was forced to move to another home so I could provide her with her own bedroom. The complex I was staying at did not have any 2 bedroom apartments available. I provided adequate notice to the apartment complex that I was needing to vacate along with a letter from my daughters physician stating she needed her own separate space. ( I have attached a copy of the physicians letter dated XXXX for reference. ) The apartment complex manager assured me that I would be released from my lease and that no outstanding balance was due. I was also assured that they would not report this account to collections. They did not honor their word. I did not know there was an outstanding balance reporting until I obtained a recent copy of my credit report. This false reporting of an account with a balance is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have have contacted the bureaus for them to correct this mistake.i have so many inquiries that was not authorized by me. Could you please correct this the customer service was so rude and they did not try to help me or get me a supervisor here is the list of inquiries that needs to be removed XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I was contacted by LoanMe with an opportunity to defer my next payment due to XX/XX/XXXX. I signed the agreement, completed all requirements and received confirmation that the agreement was accepted. After reviewing my credit reports, I see that LoanMe is currently reporting the account as 90 days past due although LoanMe has not owned the loan since XX/XX/XXXX. LoanMe also reported to XXXX  that the account was past due in XX/XX/XXXX, which was not possible based on the attached signed agreement. Copies of the reporting to XXXX  are also attached. Over the two years that I consistently paid this account, I paid over {$2400.00} dollars into this {$2600.00} loan only to have the principal decrease by about {$100.00}. LoanMe no longer owns this loan, but the affects continue to haunt me.
Product: Mortgage

ON or around XX/XX/year> I was contacted by who I believe to be WELLS FARGO HOME LOANS ( WFBNA ) to update my mortgage payments to ACHauto-payment center. I have paid my mortgage reqularly each month for the past 3 years only to recently learn that my home has actually been foreclosed and sold just a few weeks ago. I was never notified until a gentleman came to my home to inform me that I needed to move do to the foreclosure sale. I am appealing this sale as the result of fraud and failure of notification. I just pulled my credit report and contacted the local PoliceDept. I also found that someone opened up a fraudulent XXXX account on or around the same time may have been intercepting any call from Wells Fargo Bank . I am a victim of Theft by Deception. I am fi ling a complaint with the CFPB as well as FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$11000.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed multiple inaccuracies on a specific account across all three credit bureausExperian, XXXX, and XXXX. Specifically, the inaccuracies include : 1. Inaccurate account opening dates 2. Inaccurate reporting dates 3. Inaccurate balances 4. Inaccurate last payment dates Under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, credit bureaus are legally required to maintain accurate, complete, and verifiable information on consumer reports. Each of these inaccuracies misrepresents my credit history and directly impacts my credit score, potentially leading to negative treatment by lenders and others reviewing my credit report. 
Additionally, the Privacy Act of 1974 reinforces my right to correct inaccurate or incomplete records, as such discrepancies could result in unfair treatment and harm my financial standing. 
I have previously reached out to each bureau to dispute these errors but have not received any response. Given this lack of action, I am now filing a formal complaint with the CFPB to request immediate investigation and correction. These inaccuracies do not meet the legal standards for accuracy, verification, or privacy protection under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  Opened XX/XX/XXXX XXXX/XXXX  XXXX  # XXXX Opened XX/XX/XXXX *Fraudulent Account THESE ACCOUNTS DOES NOT BELONG TO ME THIS IS FRAUD
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Delinquency Reporting Bread Rewards To Whom It May Concern, I am filing a formal complaint against Comenity Bank regarding the inaccurate reporting of my Bread Rewards account on my credit report. Despite my attempts to resolve this issue directly with the credit reporting agencies, this incorrect information continues to harm my credit standing. 

Complaint Details : Creditor : Comenity Bank ( Bread Rewards Account Number : XXXX Issue : Incorrect delinquency reporting Credit Bureaus Affected : XXXX, XXXX, XXXX XXXX of the Dispute : Bread Rewards has erroneously reported this account as delinquent. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of credit information are required to ensure accuracy when reporting consumer data. However, Comenity Bank has failed to meet this standard, leading to unjust harm to my credit profile.

Additionally, under 15 U.S.C. 1681s-2 ( b ), once a consumer disputes an item, the furnisher must conduct a reasonable investigation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ) establishes that a mere verification of the debt is insufficient ; a deeper, independent investigation is required. 

I formally requested that Comenity Bank verify or correct the delinquency, but no satisfactory resolution has been provided. As a result, I am escalating this complaint to the CFPB for further investigation. 

Requested Resolution : I request that Comenity Bank : C

onduct a full reinvestigation of my account status. Provide documentation verifying the accuracy of the reported delinquency. Remove or correct the delinquency if it can not be verified. Update all three major credit bureaus with the correct informa
tion. 
This error has negatively impacted my creditworthiness, and I seek a prompt resolution to avoid further damage. I urge the CFPB to take action to ensure Comenity Bank complies with federal consumer protection laws. 

I have attached supporting documents, including copies of my credit report, identification, and previous correspondence, to assist in your investigation. 

Thank you for your time and assistance in resolving this matter.