23daVinci/CFPB_Complaints huggingface dataset:
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
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my account was properly investigated but how can that be if the dates last active are incorrect, high credit amounts are incorrect, account status is incorrect, account numbers are incorrect, and response to where inquiries came from were left unanswered? These are all grounds for immediate removal from my credit reports as it has violated my rights under 15 U.S.C. 1681 section 602 A. I was seriously harmed because the Credit Bureaus continued to give out incomplete and inaccurate information after I requested corrections causing my credit score to severely and negatively be affected. The Credit reporting agencies are negligent and willful noncompliance with the law are all exhibited here. XX/XX/2023 I have sent out disputes via U.S. Postal Service and have not received an explanation nor has any of these erroneous accounts been removed from my credit report. I have a legal right to pursue legal actions within 2 years after I have discovered the harmful behavior or within 5 years after the harmful behavior occurs or whatever is sooner. The Credit Bureaus has also taken more than 30 days to thoroughly complete their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- XX/XX/XXXX XXXX -Inquiry date XX/XX/XXXX CORELOGIC CREDCO XXXX inquiry date XX/XX/XXXX CORELOGIC CREDCO XXXX inquiry date XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date. XX/XX/XXXX XXXX - XXXX date XX/XX/XXXX XXXX XXXX date. XX/XX/XXXX XXXX I have reached out to the company they said that I have given authorization to pull my credit i did not. I am not aware of the inquires that are listed above. Therefore I have disputed several times with the credit bureaus and they refused to remove the unauthorized inquiries listed on the report. 


I have disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is pertaning to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ND XXXX XXXX. I reported fraud on this on XX/XX/2020 In the amount of {$940.00} Account XXXX through Chex systems and now this bank has tied itself to my current savings account which is now put on hold untill I pay in full or show proof that it has been removed from my report which it needs to be because I did not open this account nor did I write checks. This is Identity theft and I want to report it as so.
Product: Credit reporting

I originally started disputing some items on my credit report on XXXX/XXXX/15. I then received a reply from Experian dated XXXX/XXXX/15 stating that they think my dispute letter was " suspicious '' and that it was not sent by me. I even sent a copy of my driver 's license and utility bill in my initial letter. What else do I need to send? I have sent them multiple letters since then to dispute my accounts again and have yet to receive any result for my dispute.
Product: Mortgage

foreclosure notice never sent contacted them XX/XX/XXXX to discuss payment arrangements and was told as of XX/XX/XXXX we were in foreclosure. nothing in writing had done the trehab programs with no luck. also had to request no robo calls as they were coming in all hours of day and night. sent them letter saying to stop robo calls but to contact us by regular phone, which hasn't been done. they have some very rude people they you have to talk to. like one today was ext XXXX who got very snotty. I would like account paid in full this has been going on to long with this company
Product: Credit card or prepaid card

I have made two payments to my credit card company, First Progress Card. They have claimed to not receive my payments and it has been approximately 30 days since the payments were taken out of my bank account. When I contacted them they told me that I needed to send them proof of payment via fax. When I did so they have continued to claim that the fax nor the money was received even though my bank ( XXXX XXXX ) ensured me that they did receive the money from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX
Product: Checking or savings account

I bank with Capital One and normally get paid early on Thursdays this case would have been XXXX, but this time i never received my deposit ( no big issue as it's a convenience ). Later that night ( XXXX ) Capital One sends out an email at XXXX saying they are having " system issues '' that are impacting deposits, payments and transfers. They also stated in that email that " they expect services to gradually begin to return to normal throught the day XXXX ( but sent an email out at the end of the day ) and majority of the issues get resolved by Friday morning XXXX. We'll here I am writing you now to say it is XXXX cst and I have not received my direct deposit on the acutal day that I should have received my check which is absurd by all means. In addition, another full day has almost went by and Capital One still has not provided any other update or giving some kind of clarity on when this issue will be fixed.
Product: Credit card

I have a balance with a 0.00 % interest rate yet I am still being charged a minimum interest rate/fee. A minimum interest rate/fee would mean my interest rate is not really 0.00 %. Very misleading.
Product: Credit card

Amazon Store Card Statements are Deceptive. Phone Agents refused to explain my statements and hung up on me on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. I have overpaid by {$23.00}. See details, below : Purchases in $ : XXXX XXXX, XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX. Total Purchases of {$460.00}. 
2015 Payments and credits in $ : XXXX, XXXX ; XXXX XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX ; XXXX XXXX. Total payments {$490.00}. Over Payment of {$23.00}
Product: Debt collection

Im in the process of buying a house. I had 3 counts agains my credit that I paid off on XX/XX/2021. I asked for a paid in full letter that included that they requested for it to be deleted off my credit. They refuse to send the deletion letter and when I call to try to communicate with them they are incredibly rude, hang up on me, or dont return my calls. The company is online collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demanded that the following accounts be removed from my credit report : XXXX XXXX XXXX XXXX  Account # XXXX  XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Transunion delete hard inquiries on my account that are not mine and send me proof. I sent in a certified letter requesting this information be removed and I called on the phone to no avail. They are stating they are mine and can not be deleted. I requested for Transunion to Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 


The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible. 

The hard inquiries are XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX/XXXX  XX/XX/XXXX. 



Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Step 1 : What is this complaint about? 

XXXX XXXX is attempting to collect a debt that is not owed. 

Step 2 : What type of problem are you having? 

We used XXXX at our last residence, and had service with XXXX for many years. When we moved XX/XX/XXXX, we cancelled our service and they claim we owe an early termination fee of {$180.00}, when in fact we were years out of our contractual obligation and they are maliciously and willfully attempting to force us to pay them money in violation of the " Fair Debt Collection Act. '' Step 3 : What happened? 

XXXX claims we entered a new contract with them in XX/XX/XXXX, which is false and we have e-mail documentation proving it. We contacted them in XXXX of XXXX to try add a phone line. After their representative made various changes to our service, he discovered he could not, in fact, add a phone line as there was already a phone line at our residence ( out housemate had put it in a couple years before ). So we told the agent to just keep our old plan, and he supposedly corrected the account and cancelled all the changes. He sent an e-mail which seemed to us to support the cancellations. Whether he made an error and accidently made the cancellation of the changes a " new '' plan, misrepresented what he was doing, or just lied to us is irrelevant. The change we wanted - getting a phone line - could not happen, we had no need for other services or changes in our previous service and never utilized any changes they may have put against us without our permission, we never agreed to a new plan, we requested the changes be cancelled and that we be kept on our original contract, and we were led to believe, verbally and by e-mail, that what we requested occurred. We never authorized the change and the account is not in my legal name. 

Step 4 : What company is this complaint about? 

XXXX XXXX. 

I called three times to dispute the charges with XXXX and offered to send the e-mail proof, and even read the e-mail over the phone to them one time. They never made a record of the dispute, so in XXXX I provided a written dispute with the e-mail evidence. They have refused to respond though I have written them twice more. They sent the account to collections, being Sequim, who contacted me to pay the account. I notified them of the dispute, and they have since e-mailed me to say they are no longer handling the account. No other collections agency has contacted us about this account and XXXX has never responded to us. 

Of note, when I called to dispute, I also offered to pay the outstanding service charge, but was told to wait for the outcome of the dispute and pay whatever was owed then. But, as mentioned, they ignored my disputes and reported late payments on the monthly bill as well, so in XXXX, when I did the written dispute, I paid what I believe was the monthly charge remaining. 

Step 5 : Who are the people involved? 

XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX, Account No. XXXX, under XXXX XXXX, service address XXXX XXXX XXXX, XXXX, VA XXXX Sequim Asset Solutions LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, XXXX
Product: Debt collection

I received a notice of collection on a bill that I never received. I went ahead and paid the collection because I didnt want it to make a negative impact on my credit. Afterword I called the creditor, XXXX XXXX to complain that it has been sent to collections without receiving a bill. They claimed they had sent several bills, but said I could go ahead and pay it right then. If this truly went to a collection agency, how could I pay them? It seems to me, that they are sending out collections on bills rather than just sending out the bills. As I understand it, collectors buy the debt from creditors. But I received a bill from the collector, and then the creditor still tried to except money for it. This seems off to me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

On XXXX/XXXX/15 I requested National Credit System provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in regards to my XXXX  XXXX/XXXX  account. Today XX/XX/2021 I was notified that my credit score dropped due to a late payment being reported to the credit reporting companies. This account was not paid late. I had a XXXX  ( XXXX  ) balance on this card for quiet some time. However I was notified about 2 months ago that I owed {$8.00}. and change. I contacted XXXX and spoke to them I still do not no till this day why I owed that small amount but I paid it anyway. I was assured from the customer service rep at XXXX  that this account will not be reported late due to this unexplained error. Well today it was reported and I am upset because my score dropped by 39 points. First of all I paid for something that I didn't even owe I just wanted it cleared up and now it's reporting as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unrecognizable inquiry from XXXX ( XXXX ).
Product: Credit reporting or other personal consumer reports

I have a collection on my credit report and my information was stolen in the Equifax data breech
Product: Debt collection

Balance credit is harassing my family, and people Im unrelated to via phone calls and text messages stating they are attempting to collect a debt from me, with balance disclosures. They claim to be able to call these people because they claim they were put down as references which is a LIE. I have text message screenshots of the voicemails and text messages they are sending people who are not me. I do not have a balance credit loan. I have personally not been contacted by balance credit either. I have requested a cease and desist of all phone calls and text messages and require only written mailed correspondence. I have also requested validation of the alleged debt with my hand written signed signature. Electronic signings can be done by anyone. I want proof I signed up for an alleged loan because I didnt.
Product: Debt collection

On XX/XX/2020, I was contacted by Midland Credit Management, a debt buyer, whose address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX about a credit card account that I had not used for 5 years. I never received a validation notice so I asked for a copy of the billing charges, payments and any fees that have been added. I was transferred to a manager who informed me that he could not provide that information to me. I told him that under the FDCPA I was entitled to that information and he wanted to know why I wanted it. I told him because I wanted to look at the dates of the charges, payments, and fees so I could validate the amount he said I owed. He started reading to me information & I again requested an itemized statement of all charges. He said he was looking at my statement and he was telling me what the charges were. I then asked if he was looking at the statement, then why couldnt he send me one? He refused again. He threatened to " take this to the next level '' and I said that I had not received any written notification of the account being placed with him before getting a telephone call just 3 days earlier. He then threatened or implied he was about to sue me so I told him I would have my attorney contact him. The statute of limitations in Mississippi is 3 years on any contract or debt. This was on Monday ... today is two days later..Wednesday, XX/XX/XXXX. Today I received a 2nd day air XXXX envelope with a " pre-legal '' notification with a demand that I pay in full by XX/XX/XXXX or they " XXXX '' proceed with forwarding this account to an attorney. What reeks of hyprocrisy is that this letter states that " These payment opportunities do not alter or amend your validation rights as described in our previous letter to you ''. I never received any notification but I did request a copy of the charges for validation and was turned down. I intend on pursuing FDCPA violations against this company as soon as possible.
Product: Mortgage

I am currently XXXX to the XXXX XXXX, I fell behind on mortgage payments, Internet services are not always available. I 've reached out to the bank several times to see what options were available to me to no avail. My credit score is dropping dramaticly. I finally was able to make a call and speak with someone. I asked what my options are and she told me that I would have to fill out, scan, fax all this paperwork to her to see ; otherwise there is nothing they can do for me. I explained my situation and how these resources are not readily available to me. She then told me that I should 've planned for this better. I did not / was not even going to entertain that ignorance. I asked if they could temporarily suspend reporting any further deliquencies to the credit bureaus until I return XXXX XX/XX/XXXX/XX/XX/XXXX. She responded " no ''. I asked her if I paid the past due amount right now in full on the phone could they waive the late fees & corporate fees as well as delete the derogatory and late payments from my credit report. She responded with " we do n't do that ''. Up until my XXXX I was in good standing with my mortgage payment, never have been late. I have been working hard to reestablish my credit from my divorce a few years ago ; I involuntarily XXXX to serve my country, leaving my kids behind for less money and to try and deal with this. I am willing to work with the bank but they are not willing to work with me. I know I am protected to a certain extent under the SCRA and they ca n't start foreclosure proceedings for a certain amount amount of time. All this has just added unnecessary stress ; stress that I have absolutley no control over. I am seeking help from CFPB to see if there is anything they can do for me.
Product: Debt collection

Portfolio recovery is contacting my work mobile number. Ive repeatedly informed them that its a business line to stop calling. They call repeatedly theyre rude. Have them send an itemized bill. Ive disputed this for inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian, XXXX  and XXXX will not give me a updated report
Product: Money transfer, virtual currency, or money service

I have never personally used XXXX. In XXXX of XXXX my phone was stolen and XXXX transfers were attempted and blocked. Since then I have not been able to use XXXX. I have called both XXXX and Truist to get this restriction lifted and they say they can not do it, and there is no process to do so. I filed a CFPB report against XXXX, and they responded and said my account is no longer restricted. I then attempted to re-enroll in XXXX with Truist and it says service unavailable. I contacted XXXX support and they have confirmed that my account is not restricted, and that the restriction was lifted on XX/XX/XXXX. I then contacted Truist support and they confirmed that Truist is restricting my XXXX account. I asked if there is a process in place to get this restriction lifted and Truist tells me there is nothing they can do. This is anti consumer behavior. I have done nothing wrong and through no fault of my own I am permanently banned from using XXXX. There is no other option to send money through the Truist app, and this is monopolistic behavior on the part of Truist and XXXX. The fact that there is no process to resolve this issue is unacceptable considering there is no alternative to freely transfer funds easily to pay bills, or accept payments.