23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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: Checking or savings account

My employer sometimes pays my expenses on XXXX, I then transfer the funds to my checking account. On XX/XX/2021 I was paid {$1100.00} on XXXX and transferred that amount to my Dime checking account where it posted on XX/XX/XXXX as completed. Three days later on XX/XX/XXXX the money disappeared, it showed as a withdrawal called " XXXX Reversal '' and all {$1100.00} was, and remains gone. My bank at first blamed it on XXXX, so I called them and they have no record of any such transaction and said it would be illegal for them to take the money back without either my or the bank 's consent, neither of which were given. Then the bank said XXXX asked for it back, which XXXX denies and if they did it would have returned to my PP account, which it hasn't. Now my bank seems to blame it on me, as though I created this transaction which I'm pretty sure ( if they would actually investigate ) they'd see it's likely fraud, and therefore the bank 's fault. I have offered to allow the bank access to my XXXX account but they are not interested in resolving this or even talking to me at all. 
I filled out an " Unauthorized ACH Form '' a couple weeks ago but still nobody at the bank seems to be investigating, and they do not wish to speak to me or explain anything, it is incredibly frustrating because I need this money for my rent coming up soon. I asked my branch manager to look into it but haven't heard back and I'm assuming he too will have no useful information. I really don't know what to do, the bank was supposed to protect my money but now it's gone and they want nothing to do with me. I've opened a new account at another bank because I no longer trust Dime, but have kept the empty checking account open waiting for them to give me my money back. PLEASE HELP! Thank you : )
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 found 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've provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

Re : Formal Dispute of Fraudulent Accounts Under the Fair Credit Reporting Act ( FCRA ) Request for Removal of Fraudulent Accounts from My Credit Report Dear Experian Dispute Department, I am writing to formally dispute several accounts on my Experian credit report that I did not open, authorize, or recognize. These accounts have been opened fraudulently in my name, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Upon reviewing my credit file, I identified the following accounts that I did not initiate : XXXX. Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Creditor : XXXX XXXX  Amount : {$4800.00} XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor : XXXX  XXXX XXXX XXXX Amount : {$12000.00} I request that you conduct a thorough investigation into these accounts, as they are clearly the result of identity theft. According to the FCRA, specifically 15 U.S.C. 1681c-2, I have the right to request the removal of fraudulent accounts from my credit report. Additionally, under 15 U.S.C. 1681i, I am entitled to a prompt and fair investigation, and you are required to respond to my dispute within 30 days.
Product: Debt collection

Hello, On Tuesday, XX/XX/2024 I reached out to Eastern Account Systems to verify and validate a debt shown on my credit report. 
After speaking with a representative and a supervisor I specifically asked for account to be deleted from my credit reports upon making a payment to close and settle account. 
I was advised by the supervisor that upon payment I would immediately get a receipt of payment made, however I also asked for a letter of confirmation stated account would be deleted from reports and that account was paid or satisfied or settled. 
The supervisor whom took my payment assured me that I would get the letter I asked for and agreed to upon payment within 34 hours and I never received the letter at all.

I did a follow up call asking for the letter and was told that the supervisor whom told me I would receive one was wrong because now supposedly no letters are ever sent out to clients or people whom make payments to close accounts. Therefore, so was lied to and mislead by this supervisor from Eastern Account Systems Collection company.

The supervisor representing the company Eastern Account Systems flat out lied and has conducted unprofessional business along with malpractice.

Furthermore, I disputed the information with credit bureaus and also received information stating that Eastern Systems confirmed balance as if I never paid it or closed the account which is absolutely not true as I have receipt payment to close account.

Clearly EAS has once again lied that I owe a balance that it hasnt been paid and are refusing to delete account as agreed via phone with the supervisor and with getting letter upon payment.

If need be I will take all necessary legal actions to pursue Eastern Account Systems for negligence, malpractice, misleading me and providing bad information which has and will continue to harm my credit and credit reports for a lier supervisor with its collection practices.

The representative whom provided me information about no notes or nothing being discussed of the letter I asked for for my records at EAC her name is XXXX or XXXX the call was made on XX/XX/2024 @ XXXX XXXX and lasted about 13 minutes long. She said she requested the letter supposedly and it would be 24-48 hours and that she has been working there for 9 years and shes never dealt with such a discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and noticed some information that looked kind of weird. Please investigate this and remove all incorrect and unverifiable information and send me an updated copy of my report please. Thank you. I'm trying to get a house and I can't do it with this crazy stuff all over my credit report. LOL Thank you for all of your hard work and dedication. I appreciate you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I immediately follow protocol and contacted all three major credit bureaus XXXX, XXXX XXXX, and Equifax. I asked to speak directly with the specialized fraud team at XXXX who is handling my case. I spoke to the fraud department at XXXX and spoke on Equifax to global consumer, all three credit bureaus completely neglected the fact that Ive been a victim of identity theft, and Ive submitted supporting documentation, proving that I was a victim of identity theft, and that the accounts were open fraudulently underneath my name without my consent nor authorization. I submitted police reports dispute letters. I went to the Federal Trade Commission website I completed an FTC identity theft report, affidavit submitted documentation on numerous occasions, and spoke directly with the credit bureaus. I explained my frustration to them and advise them that I was in fact, a victim of identity theft. I have disputed the fraud information and accounts several times and several occasions. Some accounts indeed were blocked. However, they are now showing back on my credit report. I explain to the credit bureaus why this information was showing on my credit report again? the credit bureaus advised me that the account comes back as verifiable I explain to the credit bureau. Of course the account is going to be Verifiable because whoever stole my identity has my accurate information they have my information and thats how they were able to obtain credit underneath my name because they stole my identity. Unfortunately, credit bureaus were not able to delete these accounts from my credit file damaging my name, credit, worthiness and employment. Not to mention they violating several several FCRA laws I even explain to them that under section 604B of the photo credit reporting act. This information must be blocked within four business days. They have completely dismissed any of my complaints ive lost lots of days out of work being on the phone for hours to get a hold of the specific department sometimes the calls drop this has been a nightmare, and I feel helpless because of the only people that can help me which is the credit bureau has failed to protect me as a consumer, even though I have done my part and have provided supporting documentation as per requested, proving that a fact, Ive been a victim of identity theft, and the credit bureaus have failed to do proper investigations and validation of these accounts and result, theyre still on my credit report, and I am demanding for them to be removed immediately. 


XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX NA XXXX XX/XX/XXXX {$30000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$75000.00} XXXX XXXX XXXX  XX/XX/XXXX {$81000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$5000.00} XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XXXX  ACCOUNT # XXXX DATE OPENED XX/XX/XXXX BALANCE XXXX
Product: Debt collection

I recently paid of both debts on my credit account and one has been removed but this one is still remaining. How do I get it removed and listed as paid.
Product: Credit reporting

On XXXX XXXX, 2015, we tendered proper notice to the landlord, XXXX XXXX XXXX, to make remedy to those issues materially affecting our health and safety, as well as denying us quiet, peaceful enjoyment of the premises. XXXX XXXX XXXX, managed by XXXX XXXX, XXXX, refused our repeated requests to make remedy. On XXXX XXXX, 2015, we exercised our legal right to terminate the rental agreement, without penalty, in accordance with ARS 33-1361. Pursuant to ARS 33-1321 ( d ), the XXXX XXXX XXXX XXXX were required to refund our security deposit but failed to do so. Thus, not only did we legally terminate the contract without penalty, and delivering a thoroughly clean, scrubbed and sanitized unit for immediate occupancy, but XXXX XXXX XXXX XXXX is in debt to us for failing to refund our deposits. We do not owe XXXX XXXX XXXX ANY monies, as rent was paid current through our tenancy. XXXX XXXX XXXX accepted return of possession of the unit on XXXX XXXX, 2015.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, I respectfully request the immediate blocking and deletion of the following fraudulent account from my credit report, in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). This account was opened fraudulently in my name, and I am requesting its removal from my credit file. 
Fraudulent Account : XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

We purchased a XXXX XXXX XXXX minivan  for the purpose of transporting our XXXX adult daughter in XX/XX/XXXX. Due to a layoff and significant salary reduction that resulted, we filed XXXX XXXX bankruptcy in XXXX XXXX. As part of the repayment plan, the minivan  was paid off in XX/XX/XXXX via a monthly payment far above the initial monthly installment. We were told that we should receive the title at the close of the entire XXXX. XXXX plan in XXXX. My payroll deductions ended in XX/XX/XXXX and upon the Trustee 's audit late this summer, she concluded that all our claims were paid in full. I believe that her closure also included notice to all creditors allowing them to dispute the XXXX balances shown in her report. Approximately two weeks ago, my husband departed his doctor 's office to drive home to our daughter in the minivan and it had disappeared from the clinic parking lot. He called the XXXX Police Department and was told that the vehicle had been repossessed by the lender. We called our attorney who was speechless, who then called the Trustee. In short, the lender is claiming that we still owe interest on the loan, but at no time amended their Proof of Claim or made any effort to notify the court, our attorney or us. We do not have an adequate vehicle to transport our daughter to necessary appointments that will accommodate her wheelchair, nor do we have funds to satisfy any balance that this company contends that we owe. We have now received certified mail telling us that our minivan will be sold at auction after XX/XX/XXXX and that will seek any leftover balances from us. Please help us.
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 debt bondage, which falls under XXXX according to XXXXDebt 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: Student loan

XXXX Previous Complaint number that was not cleared. 

According to the statements found, the refunds for the dates XX/XX/XXXX and XX/XX/XXXX were Mohela 's responsibility and will have to come from Mohela as my new loan servicer did not take over my account until XX/XX/XXXX. I have been trying for XXXX XXXX XXXX before the company 's response to regain the money owed to me. I will attach those statements of the payments in question. Please issue my refund immediately or I may be forced to obtain legal/media representation to resolve this matter. As I am sure I am not the only member that this has happened to. The customer service at Mohela never seemed to agree on anything each time I contacted them regarding this matter. I look forward to your expedited response.
Product: Credit card

I rented a car from SpiritXXXX XXXX I was sent to XXXX and selected a car for {$1500.00}. I reviewed XXXX XXXX  cancelation policy-cancel anytime for {$50.00}. My plans later changed and I called XXXX and canceled. XXXX now refuses to refund the $ XXXX {$50.00}. It is unfair and possibly illegal to keep my money while providing nothing. Bank of America is complicit and the charge with interest now has reached over {$1900.00}. I am an XXXX XXXX XXXX XXXX vet and losing a large sum of money hurts. My complaint is that it is a scam to keep money from someone while providing nothing. Bank of America should not agree to collect this.
Product: Credit reporting or other personal consumer reports

I have requested a credit report from TransUnion be mailed to my home for the past XXXX month and have not received it. I have called them, used the chat service, I tried requesting it the website, and I have even tried annual credit report. com. I have been told it is unavailable on all platforms. This a major issue because they are not allowing me to see the information, they are sharing about me to everybody else. IT IS ALSO AGAINST THE LAW!!!!!!!! They have restricted my TransUnion account because i have been disputing the numerous Amount of inaccuracies. And now i can't even get through on the phone.
Product: Credit reporting or other personal consumer reports

I disagree with the results of your recent verification pertaining to the items reported on my credit account. I had initially lodged a dispute regarding this item, and I wish to address certain aspects of your verification process which I believe require further examination. In your response, it was mentioned that my claim is disputed, and a request for VALIDATION and PROOF OF CLAIM of the alleged debt was made in accordance with the Fair Debt Collection Practices Act, Furthermore, as a consumer invoking my specified remedy and as the original creditor, I understand that my request for VALIDATION and PROOF OF CLAIM is in accordance with applicable regulations, but I would appreciate further clarification and specific documentation in relation to these demands. Specifically, I kindly request that the certified copy of the original contract bearing my signature be provided, explicitly naming your company as an entity authorized to enforce a commercial claim against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

RISE is reporting unlawfully to the credit bureaus for an account associated with a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine and accounts that were never late. 

I have attached a 30 day violation notice sent in response to this credit bureau not responding to a dispute letters sent via certified mail on XX/XX/XXXX.  I have also attached a IDENTITY THEFT report that is in direct relation to the accounts that I am disputing as not mine. 

I have several residential addresses appearing on my credit that are not mine.
Product: Debt collection

I have been receiving notices from these people for quite some time. I thought it was mine but then realized it was a previous boyfriend of mines and they are trying to collect from me. I tried on several occasions to obtain documentation from them that proves that this is my debt and if so, that this collection agency has the right to collect the debt. I have not received anything and they continue to report to the credit bureaus and they continue to send me notices. 

XX/XX/XXXX - Requested Validation/verification of proof that this debt is mine, that they were assigned the debt as well as proof that the debt was assignable. 

XX/XX/XXXX - Sent a 2nd request to validate/verify the account. 

XX/XX/XXXX - Made a 3rd FULL REQUEST of proof that this debt is mine, that they were assigned the debt as well as proof that the debt was assignable. 

They simply ignored me each time and sent nothing. So I would like assistance in either obtaining this information, or assistance in having them to stop reporting this unverifiable information on my credit report.
Product: Credit card

I made a purchase form XXXX XXXX XXXX XXXX, and I submitted a complaint with the name of XXXX XXXX XXXX XXXX, this complaint is because the credit card company, Barclay, XXXX XXXX did not resolve my issue in my favor. 
The purchase I made was sent incorrectly, i did not receive the product I purchased. 
I have been trying to resolve the issue with XXXX XXXX XXXX XXXX, and their finmal resolution was that they sent me the right product. 
But it was not the case, as I demonstrated through pictures : I purchased XXXX Medium Firmness mattresses, and I received XXXX soft firmness mattresses. 
Barclays does not support their customers in their query for satisfaction of the products purchased from a merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are still showing that they are open with a balance and missed payment history. See attached credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit file dated XXXX XXXX, 2017 I received an update to my XXXX credit report from Summit financial. The report was updated to show the account is now reported as closed, balance is now XXXX, amount past due is now XXXX. as well as the account history codes are now 1. The problem now is that I called XXXX and XXXX to inform them of the update, and they said they were not going to investigate this account again, I faxed them a copy of my updated account with XXXX. The representatives informed me that they reached out to summit financial in order to get corrected updated information, and summit financial REFUSED to update the account with those credit bureaus. I am including my updated credit report as proof of my documentation
Product: Credit card

I received a credit card offer. The first page had XXXX lines ( I 've marked those on the attachment ) with numbers indicating footnotes, but there were no corresponding footnotes. The bottom of the first page, the one with all the offer language, stated " Please see page XXXX of insert for Additional Disclosures '' but I could find no additional information or further limitations on their offer.