23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I sent a dispute letter to LVNV Lending Company, XXXX XXXX XXXX  and XXXX  credit bureau regarding a collection/charge-off that was opened in XXXX. There are 4 inaccuracies on this report. Transunion is the only credit bureau listed on my credit report while XXXX  and XXXX  has since deleted this collection/charge-off from my report. It is well over 30 days again and the account still hasn't been updated or removed.
Product: Debt collection

On XX/XX/25, Reports Inc started calling at XXXX XXXX and called 26 times in a row in under 1 minute. I have the screenshots of my call log showing where they repeatedly called over and over. This is absolute harassment!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more th an 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX
Product: Checking or savings account

In my entire ( way too long ) life, I have never encountered a bank in any country, on any continent as pathetically inept and XX/XX/XXXX as the decrepit thing that is called CITIZENS BANK, N.A, the one located in XXXX, RI. 

Does the CFPB know that in, almost the second quarter of the 21st century, the only way to contact this XX/XX/XXXXdefectives is BY TELEPHONE! NO EMAIL, NO FAX, NO NOTHING BUT PHONE!! My XX/XX/XXXX has forbidden me to speak with call centers because it is deleterious to my health. Heres proof!

Phoning gets the customer to cubicles of bogus CSRs in 3rd-world countries, e.g., XXXX, XXXX XXXX, etc. where NO ONE ( and I mean NO ONE ) speaks or understands any form of English that I was taught as my first language from birth. And when I scream repeatedly, " I DON '' T UNDERSTAND A WORD YOU ARE SAYING!! I WANT SOMEONE WHO SPEAKS INTELLIGIBLE ENGLISH!!! ", the answer is ALWAYS : " I speak English! '' Well, how shall I put this? Go XX/XX/XXXXyourself, you useless XX/XX/XXXX! If I can not understand you, then you do NOT SPEAK ENGLISH. This is what the shysters in the C suites of this prolapse bank think is how to treat customers. In the past 3 months, I have closed a credit card account ( with a $ XXXX credit line ) and now a ludicrous checking account with a balance of ... XX/XX/XXXX XX/XX/XXXX US dollars XXXX 

And it took me XXXXXX/XX/XXXX calls XXXX XXXX XX/XX/XXXX XX/XX/XXXXto finally reach another XX/XX/XXXX in the USA. The first 3rd world XXXX with XXXX leakage ( an alleged manager who is only qualified to lick my XX/XX/XXXX) told me there was no such account with the account number I gave him. Really,XX/XX/XXXX How come the fist-bottom XX/XX/XXXXin the US could find it with no trouble? Why? Because you are a genetically defective mutant whose entire race escaped XXXX and should be extinct. But rather than extinction, these citz bank XX/XX/XXXXPAY YOU A SALARY because they believe that, not only will you SOLVE PROBLEMS, but also engender customer retention. Chew on my XXXX, XX/XX/XXXX! 

The lyingXX/XX/XXXX in the US whom I interacted with on XX/XX/20 my 16th XX/XX/XXXX phone call told me he had closed my account ( he may have had a human name, but who gives a XX/XX/XXXX what it was? ), gave me a confirmation number [ XXXX ] that he no doubt fabricated out of his XXXX, and told me I would receive the {$6.00} balance in my account by check mailed to the address on file that he confirmed. Lying XX/XX/XXXX. 

Never have received anything. Never will. I would relinquish my XX/XX/XXXX XXXX XXXX if this company and every XXXX who is employed by it would implode. 

That's worth XXXX XX/XX/XXXX dollar any day.
Product: Prepaid card

We are on Day 5 of no access to our accounts with Rushcard. My husband 's XXXX direct deposit is not in his account. We can not speak with anyone, we can not get a text balance and we are locked out of our accounts. Rushcard has had five days to fix this and no one is getting satisfaction. I 'm sure this is illegal and I hope there is something that can be done. Quickly.
Product: Credit reporting or other personal consumer reports

I requested an investigation into matters that I felt to be fraud, erroneous, and falsely represented in a letter sent to the creditors listed below on XX/XX/2023. I have yet to hear back from anyone. In my opinion, this is not just a delaying ploy to give me another 30 days to comply with my first request, but it also clearly violates 15 U.S. Code Section 1681i - Procedure in case of disputed correctness.

My credit file has been receiving erroneous and incomplete account information from your credit reporting organization. I'm upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing these items with XXXX XXXX, XXXX and Equifax beginning on XX/XX/XXXX I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute several inaccurate items on my credit report that are adversely affecting my employment prospects. This is my fourth written request for resolution, and I am demanding immediate action. Failure to address these inaccuracies promptly will result in aggressive legal action. 
Disputed Accounts : XXXX. XXXX XXXX Account # XXXX Legal Basis for Dispute : This account violates 15 U.S. Code 1692e, which prohibits false, deceptive, or misleading representations in debt collection. The case XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), established that inaccurate reporting by debt collectors constitutes a violation of this statute. I demand the immediate removal of this account. 
XXXX. XXXXXXXX XXXX  Account # XXXX Legal Basis for Dispute : This account reflects willful non-compliance with 15 U.S. Code 1681n, as supported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), where the Supreme Court held that willful non-compliance with the FCRA could result in substantial damages. I insist on its removal immediately. 

Account # XXXX Legal Basis for Dispute : The continued reporting of this account violates 15 U.S. Code 1692e, as highlighted in XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which reinforces the prohibition against misleading debt collection practices. This account must be removed immediately. 

Account # XXXX Legal Basis for Dispute : This account violates 15 U.S. Code 1692e, which prohibits false, deceptive, or misleading representations in debt collection. The case XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), established that inaccurate reporting by debt collectors constitutes a violation of this statute. I demand the immediate removal of this account. 

Account # XXXX Legal Basis for Dispute : This account reflects willful non-compliance with 15 U.S. Code 1681n, as supported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), where the Supreme Court held that willful non-compliance with the FCRA could result in substantial damages. I insist on its removal immediately. 

XXXX. XXXX Account # XXXX Legal Basis for Dispute : The failure to validate this debt violates 15 U.S. Code 1692g. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), the Supreme Court emphasized the necessity for accurate debt validation. I demand the removal of this account if validation can not be provided.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX regarding their failure to address multiple dispute letters I have submitted concerning inaccuracies in my credit report. Despite my repeated attempts to resolve these issues directly with XXXX, they have consistently ignored my correspondence and failed to correct the errors in my credit report. Details of the Dispute : XXXX XXXX : Account number : XXXX, Clarify the payment status, comments, balance and account number as I think they are erroneous. If you can not prove any of the information mentioned in the past credit report data that I contested with, I demand this account be deleted from my credit report. 

XXXX XXXX  Account number : XXXX, I dont understand how you are continuously able to verify this account! I dont recall ever being associated with this company that is unknown to me. Remove this extremely damaging inaccurate information immediately from my credit report. 

XXXX XXXX : Account number : XXXX, I already demanded a proof of how you dealt with the information that you indicated in my credit report. Again, you can not prove any of the information mentioned in the past credit report data that I contested with, please remove them on my credit history. ". 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that XXXX complies with the Fair Credit Reporting Act ( FCRA ) requirements. I am seeking the correction of the inaccuracies in my credit report and a formal acknowledgment from XXXX regarding the resolution of my dispute.
Product: Credit reporting or other personal consumer reports

This is incredibly depressing because a lot of information appeared in my credit report and I believe they were not checked or verified at all. It has impacted my credit report and now has affected me mentally that I can no longer go on happily with my life. I am having intrusive and depressing thoughts.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Citibank is refusing to close my savings account and send me a check for what is in the account to my address on file with them. We have been on the phones with them almost everyday since Monday XX/XX/year> and they keep sending me in circles regarding my savings account. They have locked me out of my savings account and access to my 2 Citibank credit cards and not a single employee knows what they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an acct was opened with Upgrade Inc. The account appeared on my credit report as of XX/XX/2022. Upon noticing, I immediately contacted the company to tell them that I did NOT authorize the account. I was told that the account would be closed and reported to the credit bureaus. On XX/XX/2022, I noticed that my credit score had dropped by XXXX points. Upon further investigation, I saw that the reason for this change was that the account with Upgrade Inc., which I had considered closed, was delinquent by 60 days. The total balance on the account is {$1.00}. I did NOT open this account and I am NOT responsible for its delinquency. The account should have been closed in XX/XX/2022. 

In addition, there are two other hard inquiries on my credit report that I do not recognize. One is from XXXX XXXX The other from XXXX. The origination date for both is also XX/XX/2022. Upon noticing these, I immediately contacted member services teams for each. I was told that there is no record of my having requested an account. The inquiries, however, were not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Bankruptcy XXXX XXXX  account 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: Mortgage

Wellsfargo wrongfully foreclosed on my property XXXX month later after contracting a loan modification, this happened in XXXX of XXXX. They contested me in court for XXXX yrs, even ended having to file bankruptcy XXXX times in XXXX and XXXX.They never owned up to their wrongful foreclosure proceedings, this lead to emotional and financial distress for my family. Then in XXXX at the point of a sale date for the property, in which I would have lost everything, I had no choice but to accept their astronomical offer. Their predatory lending enforcement has brought great difficulty to my family
Product: Credit card or prepaid card

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have not only included the letter from Barclays but I am now going to include their faulty system in which Barclays claims they sent on time and in addition sent their billing to me at all. I never received the billing for certain months. 

To add to that as stated I have and will never be able to get in touch with anyone at this institution. They refuse to pick up the phone. I just emailed the CEO and still no answers. 

I don't know how to get protected but I can't continue paying to a company in which they are not willing to fix anything and continue to not tell the truth about a computer system that doesn't work. 

They have not done their full due diligence and it does require a lot of effort and time. They should have the resources.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019, several attempts were made to request that XXXX XXXX/XXXX accurately report the status of my former account as " paid ''. Disputes were submitted to credit bureaus and requests were made to XXXX XXXX. 

XXXX XXXX has continue to inaccurately report the status of this account, even though it was sold to another entity, and subsequently paid. The account is not in a current " charge off status ''. I was given assurances that this status would be removed, and updated to " paid ''.
Product: Money transfer, virtual currency, or money service

We are an XXXX XXXX XXXX which has XXXX   and does its XXXX in usa. We started processing our Cerdit Cards with a company called First Data or account number is ... XXXX or Company name is XXXX XXXXXXXX XXXX XXXX XXXX 

This company allowed use to process over {$6000.00} usd almost two weeks ago, and then never deposited it into our account. We recieved a letter stating when we open this account with XXXX XXXX that she filled the forms out wrong and show we only do tickets up to {$500.00} and {$4000.00} per month max CC processing but our bikes range from {$2500.00} to {$5000.00} and we are doing {$60000.00} or more a month. 

Now since they are holding all this money and will not respond and the risk management will not answer our calls or their own company calls we can't even refund our buyers and charge with a different processor. We have already shipped these bikes out to the buyers, so now because of this processor First Data, we can't buy new product, we can't pay our employees and they are trying to put us out of business. Please if you could do anything you can to help this get resolved and please make sure all other companies know how poor this company is to work with.
Product: Credit reporting or other personal consumer reports

I kindly request that you promptly remove this unauthorized inquiry from my credit report. I have not initiated any financial transactions or applied for credit with those XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to request your assistance in resolving an ongoing issue with my Equifax credit report. My report contains several hard inquiries that I did not authorize or consent to. Despite contacting Equifax and disputing these inquiries, I have not received a final resolution, nor has Equifax provided proof of my authorization. 

The unauthorized inquiries are 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 XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to verify the accuracy and permissible purpose of these inquiries. I have repeatedly requested proof that I authorized these inquiries, yet Equifax has failed to provide such documentation or remove the inquiries from my report. 

These unauthorized inquiries are negatively impacting my credit score and causing undue stress. I am requesting the CFPBs assistance in compelling Equifax to either provide proof of my authorization or delete these inquiries from my credit report. 

I have attached supporting documents, a copies of my identification and proof of address, a copy of my social security number to assist in your investigation. 

Thank you for your attention to this matter. I appreciate your prompt assistance and look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

From XX/XX/XXXX to present day XX/XX/XXXXXXXX XXXX Capital One has violated my consumer rights on multiple occasions. 

This is a direct violation of Section 16 of the The Federal Reserve Act resulting in Civil Money Penalty as stated in Section 29.

This constitutes for An Act of Redresse of Inconveniences in accordance with the Cestui Que Vie Act 1666 ; 1666 CHAPTER 11 18 and 19 Cha 2. 

Please advise I have completed and submitted from 95 to the Department of Justice for Damages as well as IRS form 3949a to have your institution audited.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the incorrect information on my credit report. After thoroughly reviewing my report, I have identified multiple inaccuracies that need to be addressed immediately. The information being reported is not only wrong but could potentially harm my creditworthiness and financial future. I am deeply concerned about the presence of these errors and expect swift action to rectify them.
Product: Bank account or service

I 'm house wife and not involved husband 's business and Bank of America reported to XXXX with my husband ( complaint number # : XXXX )
Product: Credit reporting or other personal consumer reports

This evening, I discovered unauthorized inquiries on my credit report, and I am deeply concerned about their sudden appearance. I check my report regularly, but this time, these discrepancies appeared without warning. Even after refreshing my browser, the issue persisted. I strongly request that the documents I've submitted be carefully examined to prevent this from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1666b - Timing of payments ( 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 21 days before the payment due date. 

XXXX XXXX  # XXXX Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2021
Product: Credit card

I was charged {$170.00} for renewal of a credit card that I did not need or use. At the time I was cancelling the card I was led to believe that the " points '' associated with that card would remain intact for me to use for the purposes that were available ( airfare, hotels, etc ). However after the card was cancelled I found that I had forfeited all of my points. The value of these points on a " cash out '' basis would have been about {$1200.00} which clearly had I known about would not have exchanged for the {$170.00} the bank wanted to charge and which I chose not to pay. My telephone conversation with the customer service agent was recorded. At no time did he indicate to me that I was going to lose my existing balance of earned points under that card account.