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

I recently discovered that XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported a collection account to TransUnion without ever notifying me beforehand. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), a debt collector is required to send a written notice within five days of their first communication with a consumer, detailing the amount owed, the original creditor, and the consumers right to dispute the debt. I never received such notice from XXXX & XXXX XXXX XXXX before they placed this collection account on my credit report. 

Additionally, I have not received any validation of this debt, including proof that XXXX XXXX XXXX XXXX XXXX legally owns or was assigned the debt, a signed contract showing my obligation to pay, or an itemized breakdown of the amount owed. Due to this violation, I have disputed the collection with TransUnion and am filing this complaint to ensure it is investigated properly. 

Furthermore, I have also discovered multiple unauthorized hard inquiries on my credit report that I did not authorize. These include : 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 XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), a hard inquiry is only allowed when a consumer has applied for credit. Since I never applied for credit with these companies, these inquiries are unauthorized and should be removed immediately. 

Actions Taken : I have formally disputed the collection account and unauthorized inquiries with TransUnion, requesting an investigation. 
I have filed this CFPB complaint due to non-compliance by XXXX XXXX XXXX XXXX XXXX and the credit bureaus. 
I am also prepared to escalate this complaint to the Tennessee Collection Service Board, the Federal Trade Commission ( FTC ), and the Tennessee Attorney Generals Office if these issues are not resolved promptly.
Product: Credit reporting or other personal consumer reports

Experian has failed to to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed 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 align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence Ive provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Green Sky on multiple occasions about them reporting a charge-off on my credit report when there was never even a late payment. I had a joint account with my mother for a Green Sky home improvement loan. My mother filed for bankruptcy a year after getting the loan but I continued to make monthly payments on time. When Green Sky decided to report the loan to XXXX, they reported it as a charge-off while providing payment history of uninterrupted timely payments. When I called Green Sky, they told me that the charge-off is reported regardless of me making monthly on-time payments. For an account to be a charge-off it has to be delinquent for at least 120 days, of which is not the case here. However, it is a violation of the FCRA to knowingly report false information to credit bureaus. Green Sky called me to fix the issue, admitting it was an error but they had to consult a manager to fix it. The supervisor I spoke with never called me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XXXX XX/XX/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 card

XXXX Chase Bank USA , N.A . improperly applied my payments to the lower APR promotional loan balances before their higher APR credit card purchase balances, resulting in more interest and/or penalties or fees being charged on those accounts. While paying interest on a balance being carried, I was offered promotional checks with zero interest till XXXX XXXX, no payment or interest is due, I made to balance transfers equalling {$4600.00} and was charged a balance transfer fee. However Chase improperly applied payment right away to the XXXX APR balance a part of the minimu payment, ignoring the offer sent and which I took advantage, knowing this was going to happen, would I have not taking the offer, with greatly increased the balance being carried with higher APR. 
I contacted Chase legal department and was ready to move to a lawsuit in small claims court. 
I was going to bring action based on a case where the bank agrred to stop these actions : XXXX XXXX XXXX, et al. v. Chase Bank USA, XXXX, XXXX XXXX. XXXX XXXX CA XXXX XXXX XXXX XXXX of XXXX OH got involved and she asked to drop my claims and she was going to reverse interest for the past month, was discussing the matter with her counsel. She called me several times from ( XXXX ) XXXX ( XXXX ) XXXX and from blocked numbers, she said that she is a XXXX with JPM ( according the SEC she is NOT ). 
XXXX threatened to liquidate all my accounts at the bank, and my children investments as well that are by Chase, I reached XXXX and they said that XXXX XXXX has no authority to touch a brokerage account, it is a serious violation and it should be reported to XXXX, XXXX XXXX and XXXX entities, she claimed to act under the direction of XXXX XXXX. She claimed have powers to close and liquidate any brokerage account, I already informed the investment manager of her threats. 
XXXX Know further stated that she will close my checking and money market account, and XXXX withdraw the funds and will issue a check a her discresion. The bank manager stated she will be stealing. 

Her verbal commitment to reverse the interest as a final statement never materiliazed, but she send her coworkers to harass, example XXXX XXXX, the only way for me to defend was to inform XXXX that his abuse was going to be shared in social media and at his XXXX account, thas when he budged, and said to be under pressure from XXXX Know in order I shall desist and abstain from getting the wrong charged interest. 

I informed XXXX that further harassment will lead me to file a complaint with authorities, and her threat to report malicious and venegeful information to the credit bureau if I disputed or complaint against her. 

Chase went further to close the original account, and open a new XXXX, as part of their threats they blocked the credit card account for several hours. 
As I attempted again to resolve, the office of XXXX XXXX refused to talk but directed to XXXX, XXXX now will not reply mails or calls, ignoring the facts and making good on her promise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX BANK 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: Credit card or prepaid card

Citi failed to properly adjudicate a disputed transaction. Citi is requesting information that is not available or not relevant. Customer service not competent to understand the nature of dispute, keep sending non relevant forms to fill out and fax back.
Product: Credit card or prepaid card

Paypal - XX/XX/XXXX amount is XXXX. I ordered XXXX pcs of a white drawer type shoe box. I received the product during the first week of XXXX. I opened the package and tried to put one shoe box together. IT would not even shape into a box. I then filed a complaint with Paypal that the product is significantly not as described and provided pictures. I tired to reach the seller at the email provided XXXX, it returned as not valid email. They never responded to my complaint. It has now been two months and I keep getting the run around from paypal stating they are waiting on the seller response. I want a refund and this product shipped back. I keep checking with Paypal and they keep telling me they are working it. It took a month and a half to be delivered.

Paypal case information below : Not as described - claim Case ID : XXXX You reported that the item youve received wasnt as described. 

You filed the case We've received the seller 's info We've reviewed the info We're reviewing the additional info given by the seller Estimated case resolution XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX You'll receive an update soon XX/XX/XXXX What's happening with your case? 

We're reviewing the information provided by the seller. 

What happens next? 

We'll get back to you soon with a decision or reach out to you for more information.
Product: Debt collection

Comenity Bank XXXX XXXX XXXX is continually contacting me with letters for debts not owed. I have notified this company that previously I was a victim of identity theft.
Product: Mortgage

Flagstar bank was negligent in the storage of my personal information and claim they lost it during a hacking incident in XX/XX/2021. I have asked multiple times what information was stolen, for them to permanently delete my personal information and also to provide reimbursement for identity theft insurance. XXXX has refused to take responsibility or action on any of these. They also told me on the phone if I take their offer for XXXX XXXX XXXX, it requires the consumer to give up all rights to hold them legally liable for damages. This is not clearly spelled out and is deceptive.
Product: Checking or savings account

Email sent to Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX or XXXX Citi Bank account ending : XXXX Citi Executive Response Unit : Phone : XXXX Contact Person : XXXX XXXX gave no other reference ) XXXX XX/XX/XXXX Ref. # XXXX Subject : Urgent Assistance Required for Blocked Account Dear Citi Bank XXXX XXXX XXXX, I am writing to express my concern regarding my account ending in XXXX, which has been blocked for no apparent reason. Despite contacting customer service, I have not received a clear explanation for this action. 

I was informed that the funds in my account would be mailed to me via check within 60 days, as noted in the email I received on Wednesday, XX/XX/XXXX, at XXXXXXXX XXXX This situation is causing me significant hardship, as I can not access recent deposits from my employer as well. 

It is important to note that these deposits were cleared after the account was marked for closure, as indicated in the email. Consequently, my employer can not reissue a check since Citi Bank accepted the deposit after the stated closure date. 

Additionally, I recently discovered that my E-check for rent was reversed, putting me in an embarrassing situation with my landlord. 

I would greatly appreciate your immediate assistance in resolving this matter as soon as possible. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX cc : XXXX XXXX
Product: Credit reporting or other personal consumer reports

~ XX/XX/XXXX I noticed an unknown account posted as collections onto my credit report for ~ $ XXXX ( Rounding, as this debt collector continues to change these amounts ) and I filed a dispute letting all 3 credit bureaus know that this account is not mine and I have no agreement/relationship with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX later learning this company has been dissolved since XX/XX/XXXX ) ~ XX/XX/XXXX, I received a response from Experian stating " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I then asked for further investigation and received the same response, " Reinvestigation Info. This item remained unchanged from our processing of your dispute in XXXX XXXX. '' XXXX stated " Dispute resolved '' No changes made. 


~ XXXX XXXX XXXX XXXXXXXX has viciously reported balance increases every month at different amounts to different credit bureaus with added remarks and repeated illegal false reporting, further violating my rights and impacting my credit. 

~ XX/XX/XXXX To date, I am continuously denied loans & housing due to their false reporting. Discrepancies on these accounts that aren't mine show as follows : - XXXX " XXXX XXXX XXXX '' [ spelling shown is exactly what presents on report ] " original creditor '' " {$10000.00} '' " open balance '' " opened XX/XX/XXXX '' increased balances over past year - Experian Account Name XXXX XXXX XXXX Date Opened XX/XX/XXXX Status Collection account. {$10000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$10000.00} Balance Updated XX/XX/XXXX Original Balance {$9000.00} Terms 1 Months On Record Until XX/XX/XXXX Credit Bureaus have not done their due diligence. Over the past year and a half this company has not only harassed me repeatedly, they have also severely impacted my credit and my ability to seek loans & housing for me and my child with their false reporting. Not only is XXXX XXXX XXXX and XXXX XXXX XXXX dissolved/inactive companies, they are also false reporting and using deceptive tactics under " XXXX XXXX XXXX '' while still DBA " XXXX XXXX XXXX '' I have no agreement, contract, nor any relationship with either of their companies. They can not be an original creditor when they haven't been an active company since XXXX. Because it is illegal to report false and inaccurate information, this should be removed from my report immediately.
Product: Credit reporting

A charged off item from credit XXXX bank was reported on my credit. The item was sold to midland credit management and they in turn got lawyers. I got lawyers from the fair trading commission and the item was litigated and settled. MCM removed the item as was asked to. However transunion has now relisted the item from credit XXXX on my account giving it another XXXX yrs until removal and it was already listed for XXXX. I did not initiate this as this was instruction from the lawyers. How is this fair for me? That is the reason my credit score did not move and even went down by XXXX point by transunion. This is victimization of the public by a credit reporting bureau.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over XXXX  days I will be suing Equifax in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) XXXX Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) XXXX Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX ; XXXX, XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance XXXX {$22000.00} ; XXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX : {$7100.00} ; XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX : {$240.00} ; XXXX XXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$8700.00} ; XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Student loan

The federal loan servicer is incorrectly reporting a lateness on XX/XX/2018. I paid on time, but I was reported as late. This incorrect credit reporting negatively impacts my credit history and my ability to apply for loans and credit.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing again some fraudulently obtained information from my credit file, but there is still something I provided along that has to be removed. Credit Bureaus are required by FCRA section 605 to remove any items that are listed on an ID THEFT REPORT. This report was included in a previous letter, which I am including again out of initiative. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$560.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$2300.00}
Product: Debt collection

On XX/XX/2017, a representative from ConServe, located at XXXX XXXX XXXX XXXX XXXX, XXXX, ny XXXX contacted me and threatened to report my collection account to the credit bureaus if I did not resolve the account by XX/XX/2017. I had been working with an attorney to resolve the debt and referred the representative to speak to him so we could reach a settlement. A settlement was reached before the date the representative had set on the phone, yet conserve has still been reporting my account to the credit bureaus. Initially a monthly payment agreement for the account was agreed upon, but the account has since been paid in full. Conserve negotiated this agreement in bad faith and has collected the full amount, and reporting the information to the credit bureaus serves no purpose other than to damage my credit.
Product: Debt collection

Portfolio Recovery is engaging in fraudulent activities, which are negatively impacting my credit worthiness. Portfolio Recovery is in violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), as this company continues to report two debts on my credit reports, to date, showing past due as of XX/XX/year>, but is unable to validate this debt. I have never entered into an agreement with this Portfolio Recovery and I have made 4 requests of this company to provide me with the documentation listed below that I may be able to determine if this debt belongs to me. The company has refused to provide the requested documentation, necessary to prove that I owe this debt to Portfolio Recovery. As part of the resolution process, I request the following : Assignment contract Purchase agreement from the original creditor Cancellation of debt from the original creditor Chain of title
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing an inaccurate item on my credit report, The items are " XXXX XXXX XXXX XXXX '' Which is showing up twice on my report. Experian did nothing to resolve it but simply change the status to " Verified '' " disputed by consumer ''. This account does not belong to me and is not reporting to any other credit bureau. They refuse to re-investigate or do a proper investigation in the first place.