23daVinci/CFPB_Complaints huggingface dataset:
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 U.S.C. 1681. 
XXXX XXXX XXXX : acct. # ending in XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX : acct. # ending in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct. # XXXX, these companies with these accounts have 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 states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) states ; No consumer reporting agency can 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 7 years.

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

I am writing to formally notify you of a dispute resolution regarding a charge-off on my XXXX credit report. On XX/XX/2024, after the investigation was completed, XXXX deleted the {$34000.00} XXXX XXXX  charge-off and the {$530.00} XXXX XXXX XXXXXXXX charge-off from my XXXX report due to the information being unverifiable. 



As XXXX has completely deleted this account due to the inability to verify the debt, I am requesting that the remaining credit reporting agencies ( Equifax, XXXX, and XXXX ) also remove this unverifiable debt from my credit reports within 30 days or less. 



Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, I am entitled to have any inaccurate, incomplete, or unverifiable information removed from my credit reports. The FCRA stipulates that if a dispute results in an account being deleted from one credit reporting agencys file due to lack of verification, the same information must be removed from all other credit reports within a reasonable timeframe. 



Additionally, I am referencing Section 1681e ( b ), which requires credit reporting agencies to ensure the accuracy of the information they report. If they fail to do so, I have the right to request that they remove unverifiable information promptly, and I can seek legal recourse. 



If this account is not removed from my credit report within the next 30 days, I will exercise my rights to pursue legal action, including but not limited to filing a lawsuit for violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act ( FDCPA ). These laws protect consumers from having unverifiable debts remain on their credit reports, and I will seek damages and relief for any harm caused by this continued reporting of an unverifiable debt. 



Please update my credit report accordingly and provide written confirmation of your actions within the next 30 days. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX
Product: Debt collection

I filed a XXXX  XXXX bankruptcy in XXXX and it was discharged. The bankruptcy court sent the documents to the doctor office and the collection agency. I also followed up with the collection agency in XXXX and they stated that it shows that the account has already been closed and the account was included in bankruptcy. Even still shows when I called in XX/XX/XXXX after the doctor office told me to call the collections. They also stated that they would contact the doctor office to have it updated. Until today the doctor office has not done their job to update their records. Multiple times I have contacted XXXX XXXX 's office and I spoke to multiple people at the doctor office between XXXX that has nothing but been rude and asked to speak with the office manager XXXX multiple times that refuse to come to the phone or contact me back. They keep telling me to contact the collection agency and the collection agency is stating that they have done so multiple times from XXXX contacted their office. The office trying to make people pay accounts that has been already discharged in bankruptcy and need to be investigated. Maybe this complaint will help the doctors see exactly what the office manager is really doing to the patients.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Finance LLC falsely reporting my name as an inquiry that I do not acknowledge neither consented to anything with them
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I made a SINGLE purchase at XXXX for {$270.00} using the PayPal key created with My personal Visa. The PayPal computer broke up the transaction into multiple debits NOT totaling {$270.00}, but rather {$210.00}, and thus showing a negative balance in my account. I asked that they please review what went wrong and charge the correct amount to the authorized Visa. I have checked with my bank and they confirm they did NOT place any restriction on my card account with PayPal. 

Paypal refuses to correct the transactions, claiming that it was the fault of my Visa account, which as above I have confirmed with the issuing bank did not happen. 

I have absolutely NO argument with paying the {$54.00} due, but want it charged as it should have been originally to the Visa on file, showing as a payment to the merchant XXXX As far as I can tell, XXXX recorded the payment as complete so that must indicate that PayPal did indeed pay them the full amount of the transaction but could not or would not bill me correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

mY COMPLAINT IS WITH XXXX XXXX. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/2017. 
MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKE XXXX TO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY REPORT.
Product: Money transfer, virtual currency, or money service

This is a follow up on my earlier complaint number XXXX against Paypal. 
I faced retaliation from Paypal for complaining. Please take action against these crimnals who are holding my money. Paypal promptly retaliated against me for filing complaints by blocking my online access to the account. 
I received an email asking me to login and verify who I'm. After I gave them my phone number on file/got text message, answered my security questions correctly, entered code received by email, Paypal had completely blocked my online account claiming they can't verify who I'm even though I did log in so clearly they verified who I'm, but when nativating to try to withdraw funds online account was immediately blocked with claim they can't verify who I am. 
This is retaliation for complaint I had filed. 
Please take action against this criminal organization defrauding Americans out of their money. They still hold my money and do not allow me to access them or withdraw them, for indefinite time, clearly. My funds were stolen by them.
Product: Credit card or prepaid card

Dear COMENITY BANK/VICTORIA SECREDT ( # XXXX ) I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2021 for XXXX days? ( I believe that was the time I was in the hospital with XXXX, and i relay that to your customer services ) > I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being XXXX with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Product: Mortgage

I am a first time home buyer and I went under contract to purchase a property serviced by A bank on XX/XX/XXXX who used XXXX XXXX XXXX XXXX as the closing/escrow agent. As part of my due diligence, I ordered an Inspection ( {$400.00} ), Termite Inspection ( {$50.00} ), Structural Engineer Report ( {$500.00} ), and Appraisal ( {$450.00} ). I also placed earnest money deposit of {$1500.00}. My closing date was scheduled for XX/XX/XXXX. A tax lien was discovered on XX/XX/XXXX by my Lender and NOT the title company, and it was communicated to me by my agent on XX/XX/XXXX that the property had been acquired through XXXX and that the foreclosure had never been done to wipe out the lien. I was left having spent money on a property I could n't purchase due to the sellers lack of due diligence prior to placing the property on the market. I requested to have earnest money refunded to me, seller agreed to reimburse me the full {$1500.00} earnest money. I received the check from XXXX XXXX XXXX  who had apparently charged me for a survey that they never asked for permission to order/charge me for. They reduced the amount of my earnest money by {$420.00} to pay for a survey I never gave approval for. I have tried to call to discuss this with the agent who ordered the survey but she does not return phone calls. I am requesting assistance in getting my {$420.00} refunded for a survey on a property that the seller had no right to market as available for purchase and the Closing agent ordered/charged for products they never cleared through the party incurring the charge. The sale fell trough due to the sellers lack of knowledge of their own inventory, so I should not be held responsible to pay for a survey I never ordered and now have no use for through no fault of my own. I believe this error is on XXXX XX/XX/XXXX due to not obtaining approval to order the survey prior to doing so then charging me for it with no notice. Also, the invoice I received doesnt even have my name on it as the buyer so this feels inappropriate to charge me for.
Product: Credit reporting or other personal consumer reports

ive recently received a copy of my credit report and noticed that several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

***-**XXXX 
Cc: Consumer Financial Protection Bureau 
Cc: Attorney Generals Office 
Cc: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is in reference to the account listed on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXX. This account is being illegally reported on my credit report. I formally disputed it directly with XXXX XXXX XXXX in regards to their illegal reporting, and have not received any satisfactory reply. Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX I am requesting your method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting this erroneous item. 

Thank You,

 XXXX XXXX  

Further more I would like to add there was a finding about the settlement between Consumer Financial Protection and XXXX XXXX XXXX XXXX. for Credit reporting violations. The link below shows the article as well as the PDF of ADMINISTRATIVE PROCEEDING File NoXXXX XXXX-
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 XXXX XXXX States I have the right to privacy.

15 USC 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Consumer Loan

I bought a vehicle and financed it through Santander. The vehicle was not in good mechanical condition so I traded it in only a few months after. I signed a contract and the dealership agreed to pay it off and mailed a check. They unfortunately mailed it to the wrong company. Once found they sent out another check and canceled the first. This time Santander did n't report receiving it right away. They are reporting a XXXX90 day late to XXXX of my credit reports. I am requesting that the latest be removed. I have tried to work this out with Santander and XXXX different operators. All of which have a poor attitude. The worst was the vice president of credit disputes. XXXX XXXX XXXX. He scolded me for waiting untill now to contact him. He also at XXXX point said that he was not going to do anything for me and compared me to a XXXX. He actually said " what do you think would happen if I deleted all the late payments for the XXXX people, then all the XXXX would be calling me and XXXX about unfair treatment and expect the same '' I was and still am shocked. He did n't even get what he had done after questioning him. I explained the situation to another rep and she justified it by saying 'thats just a statement that we use in the business and if we are guilty, than everybody is guilty. '' XXXX will not call me back, another manger. XXXX yelled at me and said I would n't have had this problem if I just paid my bills on time. Knowing full well that it was an issue with the dealership and Santander. My account ( # XXXX ) is heavily noted and everyone agrees that the dealership made a mistake. I should not have my credit harmed for this situation. I paid my bill on time while the vehicle was in my possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, There are several credit accounts that i did not approve Please remove the following accounts : XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I made XXXX purchases at XXXX XXXX. 

One for {$5400.00} One for {$5400.00} These two items were shipped and never delivered. In fact I have proof that both were returned to sender and signed for back at XXXX XXXX. As provided on the tracking numbers I received from them with XXXX. 

I have talked to general manager at the store and he said that without the item in hand he can not refund the items. 

I have told him the situation and he said that I will have to dispute the transaction with my bank for not receiving the items. 

I did that with my Chase account and they sided with XXXX XXXX. Even after me providing paperwork and forms of proof. 

This is a complete theft of my account and from corporations its unacceptable. 

Myself and my business are now out {$11000.00} on equipment we needed and are out of luck now.
Product: Credit card

I have totaled altogether XXXX in overdraft and transfer and interest fees for 1 month from XXXX XXXX Bank . This is like a loan sharking Bank and I am very concerned about the extra charges. Additionally, I have not received any bonus miles on my Credit Card in over 9 months and I find that confusing. I am unable to get XXXX the manager at XXXX XXXX in XXXX, Mt. to call me back and explain these charges.
Product: Checking or savings account

on XX/XX/18 BANK OF AMERICA, stole {$150.00} out of my checking account without my knowledge nor authorization. It says for recovery fee for a forced closed account. BANK OF AMERICA is referring to an account in my name that I requested closed over a year now because of fraud on that account. I spoke with many BOA agents and advised them of this, BOA and all of its agents refused to close the account. Charges that were not mine continued to hit that account and eventually it was overdrawn, and BOA forced closed it. Again, I demanded that account closed numerous times, I've filed complaints against BOA to close that account and remove the unauthorized charges from my name and not BOA nor its agents did so. Now BOA has the audacity to steal my currency!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

Capital One Charged me after I closed the account and paid the final bill.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violation. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the each credit bureau XXXX, XXXX, and Equifax to resolve identity theft dispute but XXXX sent letter stating they would not process my dispute after I sent identity theft report and police report and dispute letter. Equifax stated they could not find a credit report under my ssn XXXX and has two or third fraudulent credit profiles under my name. XXXX received and accepted but did not remove fraudulent accounts. 

Here are the accounts below that were opened fraudulent. 

Bankruptcy Chapter XXXX discharge Reference XXXX Amount {$0.00} XXXX / XXXX- Balance {$2700.00} XXXX / XXXX- Balance {$0.00} Dept of Education/ XXXX - Balance {$6800.00} XXXX - Balance {$1200.00}
Product: Credit reporting or other personal consumer reports

aIn 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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XX/XX/XXXXACCOUNT XXXX ACCOUNT NAME :XX/XX/XXXX ACCOUNT XXXX ACCOUNT NAME :XX/XX/XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XX/XX/XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX A ACCOUNT XXXX ACCOUNT XXXX XX/XX/XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX XXXXXX/XX/XXXX ACCOUNT XXXX ACCOUNT NAME XXXX XXXX XX/XX/XXXX ACCOUNT XXXX ACCOUNT NAME :XX/XX/XXXX ACCOUNT XXXX ACCOUNT XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX has violated my rights . On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate