23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received first correspondence from XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/2019. Letter had 3 different addresses. 
1. Return address was XXXX. XXXX XXXX XXXX. XXXX, XXXX, AL XXXX 2. Address in right upper corner of letter was XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX, telephone XXXX, fax XXXX 3. Address on payment coupon was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, KS XXXX It was not specified which address to send to for debt validation. Sent debt validation certified letter to second address on XX/XX/2019. So far has not been received. 

Received second correspondence from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/2019  stated they had previously sent me a letter and that this communication did not affect my FDCPA rights. This letter had 2 different addresses. Again sent a certified letter to the XXXX XXXX address requesting debt validation on XX/XX/2019. So far has not been received. 

On XX/XX/2019 called and asked what address to send for debt validation and was told to send to the second address, XXXX XXXX XXXX XXXX XXXX, etc. I could barely hear the person I was speaking to because of loud background noise. From what I understood the XXXX XXXX address is the office for the agents and the XXXX XXXX XXXX address is for payments and correspondence. Again letters are deceptive in this regard in an attempt to deny the consumer 's right to dispute the debt by asking for validation. 

No where on either of these letters does it specify which address to send correspondence. I feel that this is misleading and confusing and is an attempt to thwart attempts for the consumer to ask for debt validation. It gives the typical FDCPA statement saying one may dispute the debt by writing the office within 30 days. Again with the 2 different addresses it does not specify which office. Also the first letter was dated XX/XX/2019. I received it later than that. Therefore I had at least until XX/XX/2019 to send my dispute letter. By XX/XX/2019 they are already sending second correspondence without giving me my 30 days to send a dispute letter. The second correspondence had no such FDCPA statement. 

Now I have to spend money on a third certified letter to the supposed correct address for debt validation letters.
Product: Credit reporting or other personal consumer reports

I requested EQUIFAX to allow me full access to my report and have yet to see my full credit report. I only see limited information even after I mailed in proof of identity and address. I also do NOT see all my accounts on the credit report. Date of last activity and all other fields are inaccurate on ALL accounts listed on the report. 


Ive included proof of id, social, and address to this complaint which shows my current address for the last 7 years. This address should be the only address reflected on my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 


These are the accounts that Ive marked as inaccurate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX, EXPERIAN XXXX XXXX ALLOWED XXXX XXXX TO REPORT MY ACCOUNT AS A CHARGE OFF WITH A BALANCE DUE. 

XXXX, AND EXPERIAN ALLOWED DEPT OF ED TO REPORT MULTIPLE ACCOUNTS HAVING 9 LATE PAYMENTS WHEN XXXX IS REPORTING 0 LATE PAYMENTS. 

XXXX, EXPERIAN & XXXX ALLOWED XXXX XXXX XXXX TO REPORT ACCOUNT XXXX AS BEING A CHARGE OFF WITH A BALANCE DUE. 

XXXX EXPERIAN XXXX XXXX ALLOWED XXXX XXXX XXXX TO REPORT ACCOUNT XXXX BEING A CHARGE OFF WITH A BALANCE DUE. 

XXXX, EXPERIAN XXXX XXXX REPORTED MISSED PAYMENTS ON THE XXXX XXXX XXXX ACCOUNT XXXX. 

XXXX IS REPORTED XXXX  AS REVOLVING ACCOUNT BUT THE ACCOUNT IS NOT LISTED ON EXPERIAN OR XXXX. 

THESE ERRORS ARE ILLEGAL AND UNETHICAL. PLEASE REMOVE ALL ACCOUNTS IMMEDIATELY.
Product: Debt collection

During the course of about the past XXXX or so years, my California identification card has been stolen and then was replaced and once again, stolen. Along with that was my wallet containing multiple prepaid cards in my name, my marriage certificate, my birth certificate, and my social security card. Recently I have noticed a major decrease in my credit score due to a collection that was not me. Here are the details for that collection : Original creditor : Advance America Account name : XXXX XXXX Adjust Date opened : XX/XX/2022 amount owed : {$130.00}
Product: Credit reporting or other personal consumer reports

XXXX IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT I NEVER HAD A {$1100.00} credit card, a {$9700.00} credit card or a {$8000.00} home loan please update my credit file As soon as possible i was also a victim of several data breach including Equifax
Product: Credit reporting

I have repeatedly disputed a chapter XXXX bankruptcy on my credit report with Experian. Each time they have responded back that they verified the information. I have repeatedly asked for evidence to support their claim and their procedure on how the investigated it. They have failed to provide me with a copy of any viable evidence submitted by Iowa Federal Court in XXXX XXXX, substantiating their claims. After verifying with the Iowa Federal Court in XXXX XXXX that they did not supply any information to Experian nor has Experian requested the information, I called Experian and spoke with their Dispute Center. The representative that I spoke with advised me that they did not verify the information with the Iowa Federal Court in XXXX XXXX. He stated they verified this information through the Iowa Federal Court. I advised him that I contacted the Court House and was told that they stated that they do not supply information to credit reporting companies. He stated it was also verified through a 3rd party credit reporting company, XXXX. I followed up with XXXX and disputed the item with them. After their re-investigation, XXXX removed it from my file which they maintain under my social security number. When I requested they re-investigate my dispute, I attached the documentation from XXXX showing that they permanently removed the bankruptcy from my file for their review. I faxed the information and I mailed a copy via certified mail to Experian. I believe they have been acting in bad faith, and have not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ), and Experian never marked my credit report as being disputed either.
Product: Credit card or prepaid card

I filed a complaint against HSBC on XX/XX/2021 for non-receipt of redeemed points. They responded in letter form with false information. I sent an email to HSBC on XX/XX/2021 informing them of their false information and never received a response. My email response is attached to this complaint. Therefore, I'm filing a new complaint for their fraudulent actions.
Product: Vehicle loan or lease

I got a loan through my bank and they failed to do a collateral search on this piece of equipment I purchased. They asked for the machines serial number but never did any research on the machine to find out that the guy I was buying it off of, for one didnt even own the machine and XXXX it belonged to another bank. So now Im out a machine and {$80000.00} that I have wrapped up in this machine that I will never see again because of my bank did not doing the required steps
Product: Debt collection

sent a validation letter to the company they did not send the correct information I asked for. This company has broken the law Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report. I realized that report was inaccurate, and this inaccurate report is unfair to me because i was never notified when this inaccurate information was furnished and i was never notified when during your company 's initial investigation that you were going to report this information Pursuant to 15 us 1681 ( a ) ( 1 ) This gave error has undermining my confidence in your company 's procedure and as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your companies database Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused and has ruined my reputation and it has adversely affected my credit worthiness Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me XXXX XXXX!!!! the consumer competent court jurisdiction so not only did you fail in the initial investigation of this information. Youve also assumed this information was valid which is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that the information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this VIOLATED my rights to privacy.

Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate. whether or not it factually took place can be categorized as a transaction that took place between the consumer and person making the report. Which means it should not be included in my consumer report and infract is a VIOLATION of my consumer rights. 
Pursuant to 15 usc 1681a ( d ) ( 2 ) ( iii ) In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This is a infract another VIOLATION!! 
( Please see form attached ) Due to your companies negligence, I am demanding each and everything in the attached letter. If each thing I am demanding can not be provided, then you are too block and delete this inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX FIN ), Account # XXXX ( XXXX XXXX XXXX ), And Account # XXXX ( XXXX XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Date Opened : XX/XX/2022 Balance : {$15000.00}.
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, this notification should not be charged. 

Items in question XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX / {$160.00} / XX/XX/2022
Product: Mortgage

I have a VA mortgage with USAA Federal Savings Bank ( XXXX, XXXX XXXX, IL, XXXX ), loan number XXXX. Effective XXXX/XXXX/2016 the mortgage servicer was changed to XXXX Mortgage XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. On XXXX XXXX, 2016 USAA transferred escrow balance of {$2100.00} to XXXX XXXX. 

The escrow funds provide for homeowner insurance and taxes. The insurer sent XXXX the renewal policy information in XXXX and a reminder on XXXX XXXX, 2016 that included the final due date of XXXX/XXXX/2016 as well as amount due, {$1100.00}. 

XXXX did not pay the bill and the policy was cancelled effective XXXX XXXX, 2016. I live on the XXXX coast of Florida where on XXXX XXXX my city was struck by hurricane XXXX. On XXXX/XXXX/2016 I received notice from my insurance co. ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX ) that effective XXXX/XXXX/2016 the policy ( # XXXX ) was cancelled for lack of payment and would help me try to get " replacement coverage ''. 

On XXXX/XXXX/2016 ( I was unable to find anyone open on weekend ) I contacted USAA who would not address the issue and transferred me to XXXX. After 2 hours on the phone and multiple excuses, XXXX promised to overnight a check ( they are unable to do wire transfers? ). Today is XXXX XXXX, 2016 and a check has not been received by XXXX and XXXX claims it was prepared they do not know how is was sent or when. 

Three different XXXX representatives promised to update me and keep me informed, but none did. I still have no insurance and I have been told three different scenarios about whether a claim will be honored due to hurricane existing, whether I have to agree to make no claim, and if XXXX has an unstated grace period. In addition, I was told it could take 3 to 5 business days after the check was received before insurance would be in effect. Probably to let the check clear. 

I am concerned that my insurance record and credit record will show that I had a policy cancelled. 

In addition, USAA is keeping a payment database ( for my mortgage payment data ) that is separate from XXXX and different from XXXX. The USAA database shows that I am in arrears and did not pay XXXX or XXXX payment and could cause bad credit reporting. Thank you.
Product: Mortgage

Rather than respond to the complaint ( s ) Case number XXXX and XXXX submitted to CFPB, Wells Fargo Bank has sent me a Notice of Right to Cure Default for a total of {$2200.00}, which includes {$580.00} in " other charge/fee ''. 

Wells Fargo is allowed to make up any amount of charges and continue force homeowners to pay extortion payments or risk loosing their homes. 

Where is the help for consumers?
Product: Debt collection

I am a XXXX XXXX XXXX  in which i have medical treatments through the Veterans Affairs Community Care Program . I was referred to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. By Approval of the VA Community Care under XXXX for XXXX services. ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.XXXX. Recommendation from XXXX XXXX XXXX XXXX, personally reviewed XXXX provider documentation due to physical exam finding ; believed further eval by a XXXX XXXX  was warranted. Ordered XXXX XXXX XXXX and a referral was given to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I feel that all my doctors visits and appointments were appropriate and approved by the Veterans Administration Affairs.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

South Carolina .Hi, This is regarding fraudulent activity of credit card dispute with Kohl 's. We are charged with XXXX , and we didn't use the credit card. We reported to Kohl 's customer care 5 times and to credit bureau 2 times but still issue was not solved.Upon that we are even charged with interest rates. Please help us regarding this. We are in hopeless situation.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft and have noticed several fraudulent inquiries made to my credit. I have sent in the FTC report to the credit bureau along with other supporting documents showing proof but the credit bureau failed to respond to resolve this matter. They are breaking the credit law! Please have the credit bureau remove these inquiries immediately. Inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Loan : XXXX My home primary residence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Mortgage with : Shellpoint Mortgage After forbearance ended. As per the law in effect in New York I requested a deferment and to resume paying the monthly payments of {$9700.00} which is the same amount that I was paying before the forbearance. 

Shellpoint mortgage on Tuesday XX/XX/2022, XXXX XXXX XXXX ( the officer in charge of my account at Shellpoint ) called me and informed me that the deferment of the 18th months was approved and the modification that was offered will be canceled and replaced with the 18-month deferment. She asked me to pay the XXXX monthly due of {$9700.00} I accepted the offer and agreed to make that payment on Friday the XX/XX/2022. 
On Wednesday XX/XX/XXXX, Thursday XX/XX/XXXX and Friday XX/XX/XXXX I called many times to make that payment and left XXXX XXXX voicemails as I could not reach her. I also left her a note with her colleague, in that regard to make that XX/XX/2022 payment of {$9700.00} Now when I try to make that payment Shellpoint renegued on the deferment and would only allow me modification with an increase of {$820.00} each month until the end of the loan. an increased amount that I can not afford which will eventually cause me a foreclosure and the loss of my home. 

Please I beg you to interfere and correct this injustice Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 
SALLIE MAE BANK ( Bank ) XX/XX/XXXX, XXXX XXXX XXXX  ( Bank/BARCLAYS BANK DELAWARE XXXX XXXX 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 reporting or other personal consumer reports

I am writing to file a formal complaint against Portfolio Recovery associates, located at XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, for their failure to prove necessary documentation regarding debts for three accounts that they claim I owe. 

On XXXX XXXX XXXX I sent a written request for validation of the debts and other supporting documents as outlined in the Fair Debt Collection Practices Act ( FDCPA ). It was confirmed they received my information. Despite follow-up attempts, they have not provided the requested information, which I believe is violation of my rights under the law. 

On XXXX XXXX XXXX I received a reply by mail for the two of the 3 accounts in question. For the XXXX XXXX account, the account they have began a lawsuit for, there was no reply. For XXXX XXXX , I received a letter stating that the dispute was completed and documents would be enclosed but there was no documents outside of that letter. For the XXXX XXXX account, I only received a bank statement from XXXX XXXXXXXX. After receiving these documents I spoke with a representative from Portfolio Recovery Associates and can provide name upon request. She stated that the time period to access validation documents and purchase agreements has expired and they do not have the information I requested. 

I will attach documents of my correspondence. I respectfully request that your office investigate this matter and take your appropriate action to ensure compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received this message from this bank that I didn't even apply.