23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2021 I checked my credit report and I found that Credit Collection Services was reporting an account on my report. This account reports that I owe them {$500.00}. I sent them an Affidavit with very specific request as to verification on this alleged debt. The received my letter on XX/XX/2021 via certified mail ( tracking # XXXX. ) Credit Collection Services responded by sending me a printout of a billing statement. On XX/XX/2021 ( tracking # XXXX ) I sent them another Affidavit with an opportunity to cure, in case they were remiss in responding to the first letter I sent. Credit Collection Services responded with a dunning letter, again ignoring my very specific request for verification. On XX/XX/2021 ( tracking # XXXX ) Credit Collection Services received another Affidavit requesting verification. Again Credit Collection Services sent the same dunning letter. At this point, Credit Collection Services are in default. Credit Collection Services has violated I am demanding that this account be permanently deleted from all of the major credit reporting agencies.
Product: Credit card

I recently discovered several accounts on my credit report that I do not recognize, which I believe are the result of identity theft. The amount reported was {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN XXXX BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX & XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in 60 days 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 may 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 1637 ( 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 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 XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XX/XX/2021, an unknown entity- XXXX, is reported on my credit. In addition, the account has been closed and they have been harassing me. 

Please remove, this unauthorized information from my credit. 

Thanks!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX  XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

Experian for starters says they havent reviewed any disputes on the items Ive been disputing for the past XXXX months, they said that they have not received a dispute from me since XX/XX/year>2023 which I myself have filed XXXX  times myself since then and also with a credit repair agency called XXXX XXXX  which I had them file with all XXXX  bureaus which was well after XXXX XXXX 2023. The creditors that Ive been disputing were for accounts I had during the COVID 19 pandemic, those disputed items reported charged off in the midst of State and Government closures here in California which I had a loss of my XXXX benefits due to no fault of my own and took XXXX years to have my appeal hearing which was in XXXX XXXX XXXX XXXX day of 2023 which I won but the CA XXXX refused to honor the judges decisions on my case and said they couldnt pay me what I was supposed to receive after winning the appeal due to the XXXX was out of pandemic federal money and couldnt pay me our what I was owed and refused to pay me all the money that took as overpayments. I also had paid those creditors I have been disputing for their own credit protection services which the creditors are not honoring as well as the cares act credit protection and Californias implemented laws for protection for consumers during COVID 19 pandemic as well.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, we are transactions, settled with insufficient balances, despite initially available funds I believe these practices are unfair and request an investigation into my account transaction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974. 

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : 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 - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA.

Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified.

IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE.

I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Ive disputed with Equifax the deceptive collection account from XXXX XXXX XXXX alleging i owe debts in the amounts of {$670.00} and {$430.00} being reported on my Equifax credit report. Ive requested Equifax and the collection company to verify I owe such alleged debt, it has been well over 30 days for Equifax to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit report immediately. it is Equifax responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) and they have failed in doing so. Equifax, Is violating the FCRA and if they fail to delete this inaccurate information from my credit file, they must be held liable per 15 usc 1681n
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

For over two years I had a renters insurance policy with XXXX XXXX. After a flood my very expensive smart phone was damaged & ruined. I filed a simple claim between $ XXXX as contractually entitled. THEY REFUSED TO PAY THE CLAIM! I IMMEDIATELY CANCELLED MY POLICY AND BEGAN THE PURCHASE OF MY HOME SO I DID NOT NEED RENTERS INSURANCE ON TWO COUNTS. 

THEY ARE RELENTLESS IN THEIR SPOOFING & COLLECTION ATTEMPTS FOR {$170.00}. I DON'T OWE THEM ANYTHING, FROM MY PERSPECTIVE, THEY SHOULD REFUND MY PREMIUMS FOR TWO YEARS & SEND ME AN APOLOGY TO MAKE THINGS RIGHT!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account # XXXX To Whom It May Concern, This is my third and final attempt to have the blatantly inaccurate and unacceptable information corrected on my credit report regarding the XXXX XXXX account ( # XXXX ). My previous requests, sent on XX/XX/XXXX, and XX/XX/XXXX, have been ignored, which constitutes a clear violation of my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ).

Let me make this crystal clear : if no action is taken immediately, I will proceed with legal action and escalate my complaints to all relevant regulatory authorities.

Account Details High Balance : {$20000.00} ( all bureaus ) Last Verified : XX/XX/XXXX ( XXXX ) ; Not verified ( XXXX and Equifax ) Date of Last Activity : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Equifax ) Balance Owed : {$18000.00} ( XXXX ) ; {$17000.00} ( XXXX and Equifax ) Payment History : XXXX and XXXX : Incorrect 30-day late payment reported for XX/XX/XXXX. 
Equifax : Incorrect 30-day late payment reported for XX/XX/XXXX. 
Clear and Unjustified Errors Nonexistent late payments : My account has been current and without delinquencies. The reported late payments are false and entirely unsupported by facts.

Inconsistent data : The dates of last activity and the balances owed vary across the bureaus, further proving negligence in ensuring accuracy.

Failure to investigate : Per 15 U.S. Code 1681i, you are legally required to verify and correct disputed information, which has not been done.

Legal Violations By failing to correct these inaccuracies, you are in direct violation of the following laws : FCRA ( 15 U.S. Code 1681i and 1681s-2 ) : It is illegal to report inaccurate information and fail to correct it after a dispute.

TILA ( 15 U.S. Code 1666b ) : Creditors are required to provide billing statements at least 21 days prior to the due date to ensure timely payments.

Protection Against Non-Payment of Obligations Act ( PAANL ) : Your failure to act is unfairly penalizing me and harming my creditworthiness.

Demanded Resolution I am demanding the following actions immediately : Removal of the false 30-day late payment notations for XX/XX/XXXX ( Equifax ) and XX/XX/XXXX ( XXXX and XXXX ). 
Written confirmation that these corrections have been made and accurately reflected in my credit report.

This is your final notice : if this matter is not resolved to my satisfaction within 15 business days, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Pursue legal action for violations of my federally protected rights.

Publicly document my experience on consumer advocacy platforms and social media to highlight your failure to comply with federal laws.

Treat this letter as your last opportunity to resolve this matter amicably and avoid further escalation.

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Per the FDCPA I requested verification of debt from EASTERN ACCOUNT SYSTEM OF CONNECTICUT, via certified mail. I do not recognize how the account is reporting on my consumer credit profile. I do not recognize, the account number, account status, high balance, or late payments associated with this account. The account does not meet FCRA. EASTERN ACCOUNT SYSTEM OF CONNECTICUT has not provided me with a purchase agreement with my signature and the account is still reporting on my consumer report which is a direct violate of 15 USC 1692 ( g ).
Product: Money transfer, virtual currency, or money service

Hello, I was looking for used XXXX XXXX in XXXX XXXX  and got an offer as well. Ive agreed to pay {XXXX} as initial amount for total price of {XXXX} and transfer to the persons XXXX mobile # ( XXXX ) XXXX on XX/XX/XXXX. When I checked with the person on XX/XX/XXXX there was no response and no one picked the call too. When I contacted through text message on the same, I got a response saying its a wrong number. When I explained about the ad conversion, after that no response from the person and mobile was switched off. Pls take right action against this scammer
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX. This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists : credit card # XXXX open at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and, and multiple hard inquiries from XXXX XXXX on XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on, XXXX XXXX on XX/XX/XXXX, These activity are result of fraud, and identity theft appearing on my consumer FICO credit report .I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

A prior complaint was submitted which bears your number XXXX. Substantial funds were stolen from the account of a senior citizen, XXXX XXXX, at the Chase branch located in XXXX XXXX, California. Chase paid back 60 days worth of funds although six months of funds were taken through fraudulent electronic transfers. The terms and conditions of the agreement between the customer and Chase requires Chase to share with the customer the records/documents it uncovers and has from its investigation. Chase has failed and refused to share anything in that regard at all, despite repeated requests for months. Chase in fact refuses and fails to communicate with our efforts- by fax, by email and phone. The person supposedly handling this is someone at Chase Executive named XXXX - their Case # XXXX XXXX, her phone XXXX ) XXXX XXXX ext XXXX. Email : XXXX. She appears to be a phantom or engaged in intentional stonewalling. To make matters worse, Chase claims the account was changed to non-paper, at some point, then changed back. Chase does not reveal who made these alleged changes- it was not the customer. Finding out who engaged in that subterfuge let alone who stole the funds is vital of course but Chase refuses and fails to communicate at all with my offices or that of my colleague. Does this mean Chase has knowledge that it was one of their own who aided and abetted this theft of over {$140000.00} from the senior citizen 's account? Please help us get to the bottom of this by making sure Chase follows its own terms and conditions and shows us the records that purport to demonstrate someone changed the account from paper to paperless, and then back, and what Chase has found as to who did this dastardly criminal deed. It transpired under Chase 's nose from XX/XX/XXXX through XX/XX/XXXX. Chase is stiff arming its own customer. On your web site, folks at CFPB, there are other matters similar to this, and time and time again people complain about Chase refusing to communicate. This is clearly a pattern by Chase. Let 's have it end here, please!
Product: Money transfer, virtual currency, or money service

I store my money in coinbase wallet with amount of XXXX and those money was unauthorized to send to a unrecognized entity in XXXX XXXX XXXX. The XXXX token it was sent to is XXXX. This fraud stolen was happening without any notice/alerts and my money is totally stolen. I have contacted coinbase wallet customer service and they said there is no way to revoke this transaction.
Product: Credit reporting or other personal consumer reports

I called Experians membership department located in the XXXX on XX/XX/year>, on or around late afternoon PDT. I spoke to a female XXXX agent named XXXX. She gave me false and misleading statements. She told me I could fax documents to experian at ( XXXX ) XXXX. I told the agent Experians dispute department doesnt have a fax number and doesnt accept faxes. However, XXXX was adamant that I could fax documents. I then asked for her supervisor to confirm. I then spoke to a male XXXX who identified as the supervisor. He confirmed the fax number is correct and that I can in fact, send documents to the fax number for the dispute department. Then I called the fax number to make sure it was a fax line. And as I suspected, it wasnt a fax number ; it was a hospital in XXXX Nebraska. Im sick and tired of the XXXX department providing false and misleading statements. Also, because experian has a history of ignoring CFPB complaints with generic responses that dont correlate to the complaint, I will also escalate my complaint with the : XXXX and OAG.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I would like to inquire about my consumer report with LexisNexis. On XX/XX/XXXX I spoke with one of the LexisNexis representatives named XXXX ( Case Reference Number : XXXX ) and she informed me of the 4 accidents I had on my record. The first 3 were under XXXX XXXX, with dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The last one was with XXXX XXXX on XX/XX/XXXX. XXXX told me that all of these accidents were listed as under my fault, and when insurance companies went to LexisNexis to get this information, that is what they reported to me, and therefore charged me higher quotes. I understand that LexisNexis does not have a hand in the quotes or policies of these insurance companies, but it is reporting the incorrect information. 

I recently filed a report with the CFPB ( Case # XXXX ) with LexisNexis for incorrectly reporting the fault of these accidents. CFPB opened up a claim with LexisNexis and you recently responded to me. In the letter, they only spoke about 2 accidents, the ones on XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX. LexisNexis finally talked with XXXX and removed the claim that the accident on XX/XX/XXXX was my fault, correctly so. However, when discussing the claim with XXXX, they said that their information was " accurately reported '', even though I have evidence that XXXX claims that this accident was not my fault ( this will be attached below ). Apparently this accident was not removed from my file when it should have also been. 

Lastly, the other 2 accidents I talked to XXXX about have not been reviewed or disputed at all, which are the accidents that occurred on XX/XX/XXXXXXXX  and XX/XX/XXXX. I have evidence that both of these accidents were not my fault. This can easily be verified if LexisNexis opens up a claim with XXXX and talks with them. I will attach my evidence below for these 2 accidents as well, showing that XXXX states these were not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company named Checkr reported back to my employer that my Motor Vehicle record stated that on : XX/XX/2019 I was charged with obstructing passage of other vehicle.. This is incorrect ... 
XX/XX/2019. Involved in accident .... This is incorrect ...