23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a debt validation letter to XXXX  XXXX XXXX in regards to an account they have on my credit report. They received my letter of request via certified mail on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received any type of validation of this debt or communication in its regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate credit inquiries from On XX/XX/2022, XXXX XXXX XXXXXXXX  On XX/XX/2022, XXXX XXXX XXXX On XX/XX/2022, XXXX XXXX On XX/XX/2022, XXXX XXXX Tried several times and reached out to the company certified letters I do not have an open account with the company ..Please remove inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to all three credit bureaus, requesting to have this closed account from XXXX XX/XX/13 removed/ deleted from my credit reports. It has been well over 90 days and I haven't heard anything from them not have the account been deleted. This violates the FCRA law that States that the bureaus has a responsibility to respond to the request of all consumers within a timely manner.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX. 

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

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

This is related to my newly opened Checking and Savings account in USA as I reached here on XXXX on work permit for my Employer XXXX XXXX. 

I have opened my Checking and Savings account in Chase Bank. On XXXX I have uploaded a Check provided my by Employer XXXX XXXX through Chase XXXX XXXX. From the next day XXXX Check funds worth XXXX has been put on hold by Chase Bank. 

After that I tried multiple times to reach out Chases Customer Support team to get the issue resolved related to hold on my account. They wanted to verify my Check and was asking the phone numbers of Employers Payroll Department which I did and even other available contact numbers. However theyre not calling or saying this number we cant call because of their policy. Instead theyre saying theyll close my account with whatever funds available. 

Chase bank has already incashed the Check and told me theyll freeze my account with the funds available {$2400.00}. I and my Employer has already provided whatever they asked. 


Please look into this matter to help me out and get my funds back. This was my first Paycheck and really very important for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

I have given both verbal and written instructions concerning a credit account with XXXX being removed from my report. My instructions were followed after numerous conversations with at least XXXX agents at Experian. In my attachment, you will see that the account was removed by deletions then readied days later. This is a blatant disregard for the law since they aren't following the instruction in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled critical personal information, putting me and millions of other people at risk. I have been indicated as being potentially affected according to the equifaxsecurity2017.com website that lists affected users. They failed to notify users fast enough to take action to protect themselves ( what little can be done now that so much critical information is now exposed ).
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX XXXX  days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am a XXXX US citizen : In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account reference # XXXX in behalf of Bureaus Investment Group Portfolio No 15 LLC. have violated my rights. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I have not given any written consent to any agency or company to publish any private or confidential information regarding my person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union Has fail to provide me actual proof directly from the court itself that they have verify or validated the information they have bin saying that is verify they are in direct violation of my privacy act According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification and the court also stated that The United States Bankruptcy Court does not report any Information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. So with that bin said they are in direct violation of federal laws, the privacy act
Product: Debt collection

I have received a mail from Abrahamsen Grinding. 
About a Debt that I owe reference number is XXXX. That is already have been deleted on my credit report and I would like proof that the Debt is by send me information about it such as Date of Birth, Social Security, address, email address and phone number!

I went on the website they had provided enter my information. Errors stated no account found
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my MANY plea that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm contesting have nothing to do with any transactions I've carried out or given the go-ahead for in order to obtain goods, services, or money. Please take away the following THINGS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX years old and will spend the rest of my life having to freeze and unfreeze my credit accounts because of the Equifax security breach. As I move towards buying my first house, I called to unfreeze my account so a mortgage lender can review it. The online and phone systems both do not allow me to unfreeze, and also alerted me that after XX/XX/XXXX, I will be responsible for paying for freezes and unfreezes. This is blatantly unfair that the burden rests on consumers to pay these fees. They have essentially, in the process of poorly safeguarding incredibly sensitive information, ensured themselves ongoing profits! This is unacceptable. 

As a financial institution, this security breach shows that this company should not be trusted with consumer information that can make or break our lives. I 'm writing to request that the CFPB do whatever it can to shut Equifax down, and to please include me in any class action suits against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXX  Bankruptcy : Bankruptcy XXXX. XXXX, 2017 {$0.00} Discharged Overview Reference Number XXXX Date Filed XXXX. XXXX, 2017 Classification Bankruptcy Type XXXX XXXX Bankruptcy XXXX XXXX XXXX  Amount 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 my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a little crazy because I have never heard about these accounts on my file. I have issues during the COVID -19 Pandemic with my information being compromised I have no ideal who of what theses account are : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX. I need these accounts removed/deleted asap. Please let me know what I need to do to see who is using my information.
Product: Checking or savings account

I had five fraudulent transactions on my account in XXXX, Va. 

XXXX XXXX {$1400.00} {$1500.00} ATM withdrawal at XXXX  XXXX XXXX {$320.00} {$400.00} {$280.00} Wells Fargo has denied my claim and says the transactions were not fraudulent. I live no where close to XXXX and I have only one debit card that was in my possession. I contacted Wells Fargo immediately after it happened and told them that someone hacked my account.
Product: Checking or savings account

On or about XX/XX/2018 l file a claim against XXXX .the claim was awarded to me in XX/XX/2018 after that bank of America kept sending me letter telling me they paid me twice and just about every week they would take money out of my account I complain to anyone and everyone associated with bank of America to no avail they also said that my wife also file the same claim for XXXX dollars which was never received around the XXXX of XXXX my account was negative XXXX dollars I tried to close my account and negativity happened again with the two claims combine it came out to XXXX l do not owe
Product: Credit reporting or other personal consumer reports

Experience has reported on my consumer that I applied for credit thru EXPERIAN OVER 250 times and it is reported as INQUIRIES on my public report. The list of dates include DAILY APPLICATION ATTEMPTS, as if there is a RECURRING PROCESSING default and is AUTOMATICALLY APPLYING MYSELF WITHOUT MY PERMISSION FOR CREDIT CARDS ON THE EXPERIAN WEBSITE. I have NEVER applied for credit cards EVER on EXPERIAN.com. This is false information that is being released publicized reported provided to FINANCIAL INSTITUTIONS, INSURANCE COMPANIES, CHECK CASHING COMPANIES, COLLEGES, AND POTENTIAL EMPLOYERS
Product: Credit reporting or other personal consumer reports

I've noticed some accounts on my credit report that I don't recognize, and it seems like they might be due to identity theft because I never authorized them. I've raised this concern with you before, and I'm writing now to request that these accounts be removed from my report as soon as possible. Dealing with the stress of having these accounts on my report has been tough. They don't reflect my actual credit history or my financial responsibilities, and it's been challenging to cope with the impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus have previously responded that XXXX XXXX verified XXXX account NOT MINE I have seeked representation against reporting agencies as well XXXX XXXX for not providing documentation I own this account do to the damage and denial of purchasing a home this has created much damage not to say emotional damage in reguards CFPB in Know way enforced the frivolous response and or replied in regards this complaint has been going on for over 30 days ALSO PLEASE REFER TO XXXX XXXX AS WELL I have provided court documents stating This is no longer my account CFPB as well XXXX XXXX Is in violation of the reporting act and all avenues have been exhausted to the matter to file suit
Product: Debt collection

Mi-Atlantic Consumer Services keeps contacting me and family members to collect debt on which I have paid already. They have threatened to contact my human resource department as well. Even when I talked to them on the phone and told them I do not feel comfortable sharing information over the phone, they seemed to get mad at me. I even double checked my credit to make sure this was not on my credit and that I indeed paid it.
Product: Checking or savings account

On XX/XX/XXXX, an outgoing envelope with check enclosed was stolen from my residential mailbox. The enclosed check # XXXX ( for {$140.00} ) was altered ( quite poorly ) as to payee, date, and amount. The amount was changed to {$8000.00} and was charged to my account # XXXX on XX/XX/XXXX. The theft was discovered on XX/XX/XXXX and immediately reported to the bank, First Horizon Bank ( FHB ) and the XXXX Police Dept ( police report # XXXX ). FHB has been unable or unwilling to reveal the bank or branch where the check was cashed. ALSO, the thief had to know the account balance from FHB in order to leave less than a XXXX dollars in the account. All information and forms requested by FHB were provided on XXXX. It has now been 77 days since the {$8000.00} was removed from the account. I have repeatedly requested of FHB to return the funds with NO response from the bank. I respectfully request your assistance. Thank you. XXXX   XXXX.
Product: Credit reporting or other personal consumer reports

EQUIFAX IS VIOLATING MY FCRA RIGHTS FOR ALLOWING THIS ACCOUNT TO CONTINUE REPORTING ON MY CREDIT REPORT. THE FCRA CLEARLY MENTIONS ALL INCORRECT INFORMATION BEING REPORTED MUST BE REMOVED. THE FOLLOWING INQUIRY IS BEING REPORTED INCORRECTLY AGAIN AND MUST BE REMOVED : CREDIT INQUIRY FROM XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX was taken off then put back on without my knowledge by law the company have to notify you within 10 business days. or pay XXXX fine and remove it it's the law
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In late XXXX of this year, I made an in person purchase at a retail store in California. I note that I'm in California because we have strict consumer protection laws. Including that should a merchant limit returns to less than 7 days, that their return policy must be on signs posted at the entrance and every cash register ( California Civil Code section 1723 ). Should they not post those signs I'm entitled to a full refund within 30 days. This store 's return policy was items must be returned within 5 days for store credit only. They did and do not have those signs posted and refused to accept my return ( which was approximately 2 days after I had made the purchase ). So I disputed the charge with my bank and informed them of exactly this. They have sided with the merchant who has violated state law and denied my claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Complaint Against Experian Information Solutions Inc .

To Whom It May Concern, I am writing to submit a formal complaint against Experian Information Solutions Inc. regarding their failure to accurately report my credit information and their inadequate handling of my disputes. In light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), it is evident that Experian 's practices continue to violate consumer rights and the Fair Credit Reporting Act ( FCRA ). 

I have provided all relevant documentation demonstrating that my rent has been paid and is current. Despite this, Experian has refused to correct my credit report, which inaccurately reflects my account as " closed. '' This misinformation has severely impacted my creditworthiness and has the potential to affect my access to credit, employment, and housing. 

The CFPB 's lawsuit outlines serious concerns regarding Experian 's failure to " reasonably reinvestigate '' consumer disputes and their practice of conducting superficial investigations. My experience aligns with these allegations, as I have repeatedly submitted evidence only to encounter dismissive and unhelpful responses from Experian. Their lack of transparency and failure to forward relevant information to furnishers has hindered my ability to resolve these inaccuracies. 

I urge the CFPB to take immediate action against Experian to hold them accountable for their continuous disregard for consumer protections. It is imperative that they are compelled to adhere to the FCRA and improve their dispute resolution processes to prevent further harm to consumers. 

Thank you for your attention to this matter. I look forward to your prompt response regarding the actions that will be taken to address my complaint against Experian. 

Sincerely,
Product: Money transfer, virtual currency, or money service

I sent {$92.00} to XXXX account and it never added. I closed out of cashapp and logged back in. The {$37.00} that was showing disappeared immediately. I logged into my other XXXX accounts and everything was gone from both accounts. XXXX XXXX and the other {$100.00}. 
I went to support I was asked how could I be helped, I said you have stolen my money. And they said we are logging off for today. And never got back on. I tried to call XXXX times they hung up in mid ring. Then I called another number and it hung up and the next time it said they are closed until in the morning. I literally watched them take it and couldn't do anything. I tried to unlink my cards from my bank accounts and you can't even click on it continues to blink and clicking on it.
Product: Credit card or prepaid card

Regions Bank has denied me a Visa Credit card purely from arbitrary reasons, totally divorced from a rational understanding of my pristine credit rating. 

The bank has employed torturous, offensive, intimidating, humiliating, and abusive credit reporting and evaluation practices that have damaged my credit rating and denied me a Visa Credit Card in the face of the issuance of myriad credit card accounts to far lesser qualified holders. 

Furthermore, Regions has employed clearly offensive, arbitrary, and illegal marketing techniques, in the processing and issuance of a Regions HELOC agreement, to include the refusal or failure to present all the acquired residential appraisal reports for XXXX XXXX XXXX XXXX, XXXX AL, XXXX. 

Regions has reneged on an offer of credit limits because of their failed, erroneous, and needlessly delayed drive-by residential appraisal reports., and because of an incompetent assessment of my then-current outstanding credit use of the target HELOC transfer institution, XXXX XXXX XXXX XXXX   XXXX . Only after significant and tortuous delays, did the bank offer a reasonable credit availability on my residential property. 

Regions has informed me that a " letter of refusal '' of a credit card was merely a failed " machine letter '' sent to me without a rational basis. Such letter I have have no further reason to expect was not a practical and effective letter of refusal by Regions to issue me a Visa Credit Card, one in which I have a limited time for which to complain, such limit apparently not longer than until XX/XX/XXXX, if I understand the letter correctly..