23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX/XXXX/XX/XX/2015 I was contacted by a collection agency stating that I owe {$2900.00} to an online university. I stated that the claim was erroneous as I had applied for and to my knowledge received financial aid. I asked what the debt was for. They stated it was because I did not withdraw from my classes per the contract. They stated they had exhausted all efforts to contact me. I stated that this was the XXXX I had heard of this alleged debt. Collection agent stated that they had been contacting me at ( telephone number that did not belong to me ). Agent read off the telephone number. I stated that was not my telephone number. Agent stated that that was the information provided to her. On XXXX/XXXX/XX/XX/<YYYY> after having made contact with me and after I had advised the telephone number they had been calling was not mine, a collection agent from this agency again called the telephone number not belonging to me, it belongs to my mother, and left a phone message discussing the alleged debt on my mother 's answering machine. This same day this same agent left the same message on my answering machine and implied a threat that if I did not call them back by XXXX on XXXX/XXXX/XX/XX/2015 that my file would be moved to final determination and that " seriously, this is something you do n't want to happen ''. Previously, when I asked the collection agent to validate the debt, they threatened that if I request the validation of debt that I would not be able to work out any type of settlement, that all chances of working out a settlement at a reduced amount would be off the table. As I was trying to reason with this collection agent, she continued to yell and talk over me and stated " I 'm not playing your games, I 'm going to submit paperwork to garnish your wages ''. On XXXX/XXXXXX/XX/<YYYY> I contacted the original creditor, spoke to XXXX. of the university and advised that the collection agency was very abusive and illegally trying to collect on a debt. I stated that I wanted to work directly with the university to resolve this matter. XXXX. stated he would speak to Mgmt to pull my file from the collection agency. I contacted the collection agency to advise them of this. The agent with an exasperated tone asked why and " Are you going to resolve this? '' I stated I am resolving this as quickly as possible. XXXX. of the university emailed me XXXX/XXXX/XX/XX/2015 stating that he was speaking with the collection agency and would be back in contact with me after hearing from the collection agency. Received a call XXXX/XXXX/XX/XX/2015 from the collection agency again. I did not answer.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, TransUnion, and XXXX regarding their inadequate investigation of discrepancies in my credit report concerning my account with XXXX XXXX. Despite my request for a thorough investigation to ensure the accuracy of the information reported, the results have been inconsistent and erroneous, causing significant harm to my credit. 

In my communication with the credit bureaus, I specifically requested an investigation into the account listed on my credit report from XXXX XXXX. The responses I received were inadequate and failed to address the discrepancies, as follows : XXXX : The account is reported as 180 days past due, with the last activity date as XX/XX/XXXX. 
TransUnion : The account is reported as 120 days past due, with the last activity date as XX/XX/XXXX. 
XXXX : The account is reported as at least 120 days past due, with the last activity date as XX/XX/XXXX. 
These discrepancies are clear evidence that the credit bureaus did not conduct a proper investigation. Instead, it appears they merely took the creditor 's word without verifying the accuracy of the reported information. This negligence is a severe breach of their responsibility to ensure the accuracy and integrity of my credit report. 

The inconsistent payment statuses and varying dates of last activity among the credit bureaus are unacceptable. There should be one source of truth, and a genuine investigation would have rectified these inconsistencies. Their failure to conduct an actual investigation has resulted in substantial damage to my creditworthiness.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Re : Complaint Against Reporting Entity for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX Information Solutions , Inc. ( hereinafter referred to as " EQUIFAX '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to EQUIFAX requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX XXXXXXXX which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$200.00}. The FCRA mandates that the credit bureau, in this case, EQUIFAX must ensure the accuracy and completeness of the information they report. 

We are filing this complaint on behalf of our client, who is experiencing issues with a closed account reporting negative information on their credit report. Pursuant to our efforts to address this matter, we sent a Validation of Debt letter to the reporting entity, as allowed under the FCRA. Despite our repeated attempts, we have not received any response from the reporting entity. 

This lack of cooperation is a clear violation of our client 's rights under the FCRA, particularly under the following sections : FCRA Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to promptly investigate disputes regarding the completeness or accuracy of any information provided by a consumer and to correct or remove any inaccurate information. 

FCRA Section 623 ( a ) ( 2 ) : This section mandates furnishers of information to report accurately and prohibits the reporting of information that they know or have reasonable cause to believe is inaccurate. 

Enclosed, please find a copy of the Validation of Debt letter we sent to the reporting entity, along with proof of delivery. We believe that our client 's rights have been willfully neglected, and we seek the intervention of the Consumer Financial Protection Bureau to ensure a fair resolution in accordance with the FCRA. 

We kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, compelling the reporting entity to respond appropriately and take corrective action. We appreciate your prompt attention to this issue and look forward to a swift resolution. 

If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your commitment to protecting consumers ' rights and ensuring the fair implementation of the FCRA. 

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

I attempted to contact the credit agency directly to dispute what was being reported on my credit report. The mail was returned.i contacted Experian showing that the mail was returned and that they had to remove the item from my credit report as it was reporting wrong information. Experian decided the information was valid and continued to report the information.
Product: Checking or savings account

I needed to get a replacement debit card, waited several weeks ( XXXX time at this point ), did not get a card. Found through the automated fraud system, that my card had somehow been activated and was used at a target store for around {$200.00}, and at a gas station down in XXXX XXXX for around {$50.00}. I was able to get the {$200.00} taken off and refunded, but was asked to submit the {$50.00} as a claim and was told that it would be approved. Fast forward XXXX, I just recieved a letter telling me that it was not approved and that I was responsible for the {$50.00} that was taken from my account before Id even recieved my card. The letter said that " The charge was authorized by me or made by someone who has permission '' absolutely false. I called once receiving this letter and was told that they can't do anything, more pressing I finally got their number to their fraud and disputes dept.
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act ( FCRA ), XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX. Acct # XXXX, XXXX XXXX XXXX. Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXX Acct # 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 an account without written instructions.

all the proof of dispute certified receipts are attached as well as the reports showing other reporting violations other than my Privacy. These Creditors and the Reporting Agencies XXXX, XXXX & Trans union have violated my rights pertaining incorrect or incomplete reporting 15 U.S.C. 1681i Paragraph ( 5 )
Product: Debt collection

NCB Management Services, has violated the fair debt collection practice act 15 U.S. Code 1692g ( a ) ( 3 ) ( 4 ) Validation of debts. In their initial communication they did not provide a statement notifying me of my right to dispute this alleged debt. Nor did I receive a statement that I can request verification of this debt. Their violation of the FDCPA has caused me grave injuries and damages, Per Frey v. Gangwish, 970 F.2d 1516 ( 6 '' Cir. 1992 ). The FDCPA is " an extraordinarily broad statute '' and must be enforced " as Congress has written it.
Product: Checking or savings account

My account abruptly closed on XX/XX/2022, after XXXX  years of banking with Bank of America in XXXX XXXX XXXX, XXXX, MA XXXX. After questioning the bankers about what caused my account to be closed, they told me " they can't tell me anything about the account '', I even spoke with a supervisor who wouldn't give me a reason why my account was closed. I also called the number that they gave me and still no answers. Today is XX/XX/2022, and I haven't received any information on why my account was closed. I also haven't received the funds that were in an account that equaled {$4500.00} at the time it closed. Please, I would like the CFPB to help me resolve this matter. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There were fraudulent inquires done with my identity due to identity theft, XXXX  lied and said they contacted the creditor and that the creditor responded back and said the inquires were accurate but the company is closed so how are they able to respond back to XXXX if this company is completely closed to to covd-19
Product: Credit card or prepaid card

Opened 2 Capital One cards a few years back. I opened up the first one on XX/XX/XXXX. The starting credit limit was {$300.00}. I was able to get a higher credit line offered to me of {$500.00} if I made my payments on time for, I believe the first 6 months. I ended up getting that line of credit and I also opened another credit card with them because I was trying to build my credit back up on XX/XX/XXXX. I would pay my entire balance off ( when I had the chance ) or make the minimum payment that was due. Well when Covid hit the U.S. and shut the schools down ( I have XXXX  children that were in my home, being schooled virtualy ) i called them numerous times, talked to their customer support a few times, a higher up supervisor, etc to inform them about my situation. At the time I was currently working but informed them I wasn't able to make a payment, I think for a month or so, because I was having XXXX on XX/XX/XXXX. I ended up actually having to resign from my job because my mother in-law could not watch my XXXX elementary school children anymore. So I once again called and spoke to a gentleman from their Covid department ( representative ), and he had explained to me that he would put me on this program they that had for those customers that lost their job due to the Pandemic. A few weeks later, I ended up getting emails, phone calls, after voicemails about how I was passed due on my payments, when was I going to be able to pay, and was basically harassed. I explained to the representative that I spoke to someone already from there prior about the situation and how he signed me up for both of my accounts on their program. I continued on about that I had to resign from my job, how I just had XXXX back in XXXX, was admitted back into the hospital again due to catching an infection ( XXXX ) and having another XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ended up finding out that representative prior NEVER actually updated either of my accounts to having financial problems due to the Pandemic and lied about signing me up for that program. Now my credit score went from a XXXX ( that I worked hard to get up from a low XXXX ) back down to a XXXX. I even explained over and over, I wasn't able to get unemployment. My husband was the main person bringing in his check ( paid 2 times a month ), paying 2 car payments, electric, water, rent, cable, internet, 2 phone bills, car insurance, and putting food on the table. I tried to plead with Capital One but nope, they didn't care. So I wasn't able to pay my cards off, they closed both of them, they are still ruining my credit because the balance due is now over {$600.00} on one card and the other accounts {$220.00}. To this day ( XX/XX/XXXX ) I am STILL UNEMPLOYED. I have attached at least 71 screen shots of my payments that I made on time, and then because they lied to me my accounts are closed but still racking up interest and late fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX Fl XXXX ( XXXX ) XXXX XXXX XX/XX/year> EQUIFAX Inquires Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear EQUIFAX I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : + Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

80 Please review the Inaccurate Information being report : United States 706.3K recent posts featured this place Under the FCRA, you are required to Conduct a proper investigation into my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an accoun from this NAVY FEDERAL that only take military affiliated individuals. I have not nor do i intend on joining the service. I have made several attempt to have them Verify the debt in which they are not able to but still reporting. I have no knowledge of this account nor bank brand. They sent the cards to a address in XXXX TX and still holding me liable I want them to remove this from my report its {$7200.00} reported as closed and is mentally draining me.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following inquiries and dates are unauthorized and I don't recognize where they came from : XXXX/XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX/XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific
Product: Debt collection

This company is reporting to my credit as a rental and I have been getting denial back to back because of it I have never live at this rental place they have on my record at all and I have told them that I have report this account to the FTC and i have send out a letter to them requesting verification and haven't received anything at all and it been past 30 days
Product: Debt collection

In XX/XX/XXXX my credit was good, with 20+ thousand dollars I was struggling but making timely payments for a long time. Then I get this letter from XXXX   XXXX XXXX, I called their number, they tell me that they can slash the Debt in half, that they know the credit language and they they know how to talk to my creditors, they I should not fear anymore, that my credit would drop a little but that it would go back up in six months. I couldnt believe it! But what really happened was that they let all my accounts default and eventually making me lose all of my accounts that were in good standing since the beginning, they scammed me, they didnt tell me the truth. Later I was filled with collections all over the place, they advised not to talk to my creditors, after a year and a half I saw they were not getting anywhere with my debts I started making settlements with my debtors myself. At the same time I was paying XXXX XXXX XXXX to pay the people they had already settled with, at the last I was Almost finishing an account to finally graduate from the program. It was a Sterling Inc. account number : XXXX, XXXX made an agreement with the collection company by the name XXXX XXXX. The agreement was payments totaling {$1500.00}. Just as I was about to make a final payments in XXXX they drop me out of the program, I called XXXX XXXX, they tell me they have no jurisdiction over the account anymore, they gave me a number to a company by the name XXXX, I get in contact with XXXX and they tell me that the payment bounced, that thats why. But that was inconsistent because my account had sufficient funds ( {$510.00} ) they had taken the payment and put back into my account to default the settlement, they balance was {$2400.00}, when they returned the money it went back to {$2500.00}. Incidentally that was the same company that sent me letters claiming that I owe them money in the middle of XX/XX/XXXX, I found the letter suspicious, in the letter I had to dispute the Debt, I looked online how to do it and sent them a dispute letter in XX/XX/XXXX, theyve been selling this account all over the place to make me pay it, and Ive paid more than enough with all their tricks.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to investigate my claim about the prior issue with XXXX  XXXX and how it need not be reporting as i provided and explained exactly the reasons, a mere recap is As noted the CFPB is aware of the XXXX  XXXX issue, and how I did not consent to the opening of the card and in essence was hoodwinked by the salesperson which is a violation of the XXXX, under both Federal and Kansas state law, therefore none of the three credit reporting issues should be reporting the XXXX XXXXXXXX XXXX account as its not accurate, its unfair and deceptive and illegal. This and the inquiry on Equifax need to be removed. The Trade-Line must be removed from XXXX, XXXX and especially Equifax. '' The INQ and Trade-Line at present still are reporting to equifax and Equfiax, i may add is also the most deceitful CRAs and was the result of a massive data breach the like we shall never see because of there willfully negligent data practices, was the report used to open the account! The Response was typical negligent usurper STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. In review, the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX. '' This is utterly insulting and needs to be investigated immediately!
Product: Credit card or prepaid card

Mailed a payment by USPS to pay off the comenity XXXX XXXX card and now its being said never received it - the account is closed so I have not checked since its not being used - XXXX  XXXX  did away with this credit card