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

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX  XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} XXXXXXXX XXXX XXXXXXXX Balance : {$35000.00} XXXXDEPT OF ED XXXX Balance : {$5200.00} MOHELA/DEPT OF XXXX XXXX Balance : {$5600.00} XXXX/DEPT OF ED XXXX Balance : {$13000.00} XXXX/DEPT OF ED XXXX Balance : {$6500.00} XXXX/DEPT OF ED XXXX Balance : {$120.00} XXXX/DEPT OF ED XXXX Balance : {$6600.00} XXXX/DEPT OF ED XXXX Balance : {$7500.00} XXXX/DEPT OF ED XXXX Balance : {$6100.00} XXXX/DEPT OF ED  XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$4800.00} XXXX  XXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance XXXX {$5600.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} EXPERIAN XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX ( Original creditor : XXXX  ) Balance : {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file i saw multiply inquiries on report that I did not authorize which is a result of fraud.
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX 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 reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

CHILD SUPP Account # : XXXX, XXXX XXXX Account # : XXXX, CHILD SPRT Account # : XXXX, These accounts has violated my rights. 
15 U.S.C 1681 section 602 A states that 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 my written instructions.

15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 reporting, credit repair services, or other personal consumer reports

This credit card account was agreed to be settled and pain in full as a settlement. Instead the company took the money and only deducted it from the balance. It should show XXXX balance but comments should be reported as settled and paid in full for less. Then deleted from report as a pay and delete
Product: Credit reporting or other personal consumer reports

Today, I was shocked to see an unauthorized inquiry on my credit report. I didnt make this request, and I have no idea how it ended up there. I even tried refreshing my browser, hoping it was a temporary glitch, but it wasnt. This is beyond frustrating, and I demand an immediate resolution. I expect a careful review of my submitted documents so I never have to deal with this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Turned this over to CBS Collections On my XXXX  report. 

All details in full and attached proof are attached below. I have contacted XXXX, original creditor and collection agency and still not handled properly.
Product: Debt collection

XX/XX/year> DEBT VALIDATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, North Carolina, XXXX Dear Transunion, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been reporting negatively on my account since XXXX XXXX from a company called off XXXX XXXX in the amount of {$2300.00} I have disputed this account multiple times to no avail. I have not been able to contact the Creditor of this account yet and still Equifax reports it negatively on my credit report.
Product: Credit card

Good day! I recently made a payment to my capital one account with the exact bank account that I have always used. I needed to make the payment quickly because I had just received a notification that I went over my balance due to an interest charge. After making the payment, a day later, I received notification that the payment was returned due to inaccurate bank account information. Heres my concern, how on earth did my bank account number change without my permission? I should have received some form of a notification saying that a new bank account was added. Ive contacted both of my capital one accounts to talk to them about the matter and they insist that I added the account. Why would I add a bogus bank account to make a {$50.00} payment? Ive always made my payments with this same account for the past year. I really need this investigated, because they can not tell me when the account was added, or nothing about the account. However, they are insisting that I added the account. I would like for them to take accountability if they errored. This has cause my credit score to drop drastically and I am afraid to do any further business with them. I am not trying to get out of paying what is rightfully due. However, if a bank account is added to my account without my knowledge, they should be able to tell me something about the account. Capital One should trust me enough when I tell them, I did not add this bogus account to my profile. I simply want them to investigate and find out. How did this account number change on my profile?
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Was refused an consumer checking account on multiple occasions despite identity theft and fraud being listed on my reports.
Product: Credit reporting 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 accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Debt collection

XX/XX/XXXX received call from ( XXXX ) XXXX XXXX XXXX XXXX, stating they were serving me with papers and threatened to take legal action if i didnt pay an old debt to Wachovia bank that has since been paid. And when i advised the debt collector that the account was paid and closed and that i had spoken with an attorney of now Wells Fargo Bank provided me a copy of the debt paid in full letter, the representative got irate and loud with me and threatened me before hangin up on me. I had to call back to try to verify information that the rep initially refused to provide me regarding the debt and i emailed them a paid in full letter. Upon speaking with another a person the new rep stated they had no such account for me and when I asked to be taken off their call list, he hung up on me. Also, the amount they were trying to collect was a different amount then what was owed. 

This same company called me back in XXXX threatening me regarding the same old debt that was paid in full. They called family members of mine stating that I owed a debt and that they were trying to reach me. I was advised by the original creditors attorney that western assets group should not be contacting me and that they have been conducting predatory practices to obtain funds from consumers on accounts that have since been paid off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Account XXXX XXXX XXXX and Account Number XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report. XXXX XXXXXXXX XXXX XXXX, Account Number XXXX XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report. XXXX XXXX, Account Number, XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report. XXXX XXXX XXXX Account Number, XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), MACYSs claim was disputed and validation was requested. I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that MACYS provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been wellover 30 days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My TD Cash credit card was blocked by the decision of TD, which decision I do not support.

According to TD : TD credit card blocked on XXXX, unblocked on XXXX According to TD : {$500.00} charged at a grocery store on XX/XX/2020, charge posted on 14th, payment of {$500.00} posted on XXXX According to TD : {$6.00} charged at the same grocery store on XX/XX/2020, charge posted on 21st, payment of {$6.00} posted on XXXX I didn't receive the 2 % reward for my {$500.00} purchase but received instead only 1 %. 
I asked about receiving the additional 1 % and was told that I had to wait longer. So I waited at least about one month longer. 
Then I asked about receiving the additional 1 % and was told that the store from which I made the {$500.00} was not considered a grocery store. So I made a {$6.00} purchase from the same store and waited almost a month. I confirmed that I had indeed received a 2 % reward on the {$6.00} purchase. 
Then I asked about receiving the additional 1 %, letting them know that I had received a 2 % reward on the {$6.00} purchase from the same store at which I had spent the {$500.00}, and was told that they wouldn't provide it.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 XXXX  days before the payment due date. 


XXXX EXPERIAN 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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

This complaint is in regards to the CARES Act and the inability of Citizen One Bank ( COB ) to timely remove my request from Forbearance, their tactics and handling of the process. Simply stated they are leveraging the Forbearance provision in the CARES Act to collect payments versus helping people. 

In late XXXX I requested Forbearance from a COB mortgage for a home that is rented to a real estate agent. COB approved the Forbearance but did not notify me for until late XXXX forcing me to make a payment prior. So I accepted the Forbearance for the XXXX and XXXX payment. 

In XXXX, I was able to begin making payments and began doing so. Again and unbeknown to me COB extended the Forbearance without notifying at all, no email, no phone call, nothing in the mail until they had already extended for another 90 days. I continue to make my payments and immediately contact them to get me out of Forbearance. COB stated they could not remove me from Forbearance until their Loss Mitigation Department had approved for the two unpaid balance to be deferred. They first stated it would take 10 days, then 30 days, and after 60 days it they still had no idea when they would get to the approved deferral. 

The reason I ( and probably many others ) wanted out of the Forbearance is because we had a great opportunity to refinance our home mortgages at much lower rates. In light of the pandemic, this was a blessing to restructure this debt but it could not be done until the Forbearance closed was at least 2 months of regular payments were made. 

I finally just had to repurpose some other bills to immediately pay the two months balance which was the only way the COB Loss Mitigation Department would remove me from Forbearance. And even so, they were incredibly hesitant to do so without immediate payment because if I did immediate pay the balance I could be reported to credit agencies.

So if COB had any interest in complying with the law, they did so in a shameful and wirily way. First they did not let me know in time to take advantage of 90 days of Forbearance, 2nd they extended the Forbearance without any approve or consideration from me, 3rd the locked me into a long and extended means of approving a deferral, and finally treated the Forbearance like a credit collection event versus the assistance that the CARES Act provided for and was intended.