23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Upon checking my credit report recently, I noticed a collection account appear under the creditor name XXXX  XXXX XXXX for an amount of {$1300.00}. I have never done any business with this company/creditor. I have no idea why this collection is attached to my name. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed ( XXXX XXXX XXXX ) I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the account.
Product: Debt collection

I am a part of a class action lawsuit now against a security alarm company XXXX due to my credit report being used to provide services to someone whose credit was not sufficient enough. I am filing a complaint against a company XXXX used also under my name for their equipment which is Citizens One who says I owe a balance for service I never knew about nor authorized nor did I give permission to pull my credit. I was informed today that it was done by the sales representative through XXXX that all they needed was my name, DOB, and social security number and that is just how easy it was to put service in my name. Today when speaking with a male from Citizens One to tell them that I my credit report was misused by XXXX to establish service under my name and I wanted charges that Citizens One also established in my name under XXXX to be removed the representative told me I had to talk to the XXXX XXXX XXXX. I asked for an account number and balance so that I could include it in a complaint to the FTC to also investigate Citizens One since they are in with XXXX  on how all this happened the representative said he could only see that I needed to speak with another department. I asked for the address to Citizens One corporate office and the representative refused stating that he was submitting a complaint to the XXXX XXXX XXXX and someone would call me soon. I dont owe this debt and with Citizens One also my credit report was misused for a Citizens One Loan both Citizens One and XXXX  for XXXX XXXX equipment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 2 years I have been dealing with the harassment of HUNTER WARFIELD , INC . The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house hold purposes. The inaccurate reporting have damaged my livelihood. On XXXX XXXX  I initially asked HUNTER WARFIELD, INC to validate and delete the reporting from my consumer reports. I've asked for many things to provide me such as the Alleged Debtor, The Address of the Alleged Debtor, the date the alleged debtor became payable, proof that they are the current holder in due course, did HUNTER WARFIELD, INC Purchase the debt, what is the commission for the debt collector if the debt was collected. Many questions which they have not complied. I've also sent payment by promissory note, and money order to cancel the alleged debt XXXX XXXX XXXX has harassed me for. I'm afraid I will have to make more payments under duress. HUNTER WARFIELD, INC Purchased the debt from XXXX XXXX XXXX. At this point it has become completely stressful, and depressing trying to get this matter handle. Trying to track down the original creditor and they're Chief Financial Officer of XXXX XXXX XXXX. I have received many fraudulent unsigned mail from HUNTER WARFIELD , INC . According to Chief Justice XXXX XXXX of the US Supreme Court, in direct violation of the COURT of COMMON PLEAS OF XXXX XXXX PENNSYLVANIA, XXXX XXXX XXXX FOR THE SEVENTH CIRCUIT ; HEINTZ v. JENKINS 514 U.S. 291, 2, and in jeopardy of fraud by mail for attempting to commit felony conversion and attempted theft of Respondents property for which restitution will be sought. At this time you have set forth two ( 2 ) predicators of the three ( 3 ) needed to begin a Racketeering lawsuit against HUNTER WARFIELD, INC and the other firms included in this Racketeering. I will take the next step to file a police report on harassment, invasion of privacy, defamation of character plus more. I have also sent disputes to XXXX, XXXX, and XXXX asking them to investigate this account and DELETE it as well. These companies have failed to verify they're method of verification and continuously send me computer generated responses with no signature or date on responding mail.
Product: Credit reporting or other personal consumer reports

Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Ive tried to acquire a loan with XXXXXXXX XXXX  on XX/XX/year>. They proceeded to tell me they got my Credit information From Trans Union. which is considered a third-Party non affiliate. Seeing as how that is a breach of our contract agreement I would like the CFPB to help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX  # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX 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 The following accounts are all fraud and need to be deleted from my credit file immediately.
Product: Credit card

I recently was offered an upgrade from Capital One they would upgrade my Quicksilver One card to the Venture One card. I upgraded to the Venture One card because it offered no annual fee which was a change from the Quicksilver which had a {$39.00} annual fee. I was not aware the fee for the Quicksilver one was charging right as the upgrade was happening because the new statement was not available. I called Capital One on XXXX to request them to waive the fee because it wasn't really fair to charge a fee for a card that just switched. They were very dismissive and immediately balked at my request and said it was not even an option. The first representative XXXX immediately dismissed my request without explanation so I requested a supervisor, I was connected with supervisor XXXX who barely listened to the situation and immediately told me there was nothing they can do. I asked for XXXXXXXX XXXX supervisor and she dismissed me and said her supervisor doesn't talk to customers. She told me I could try to call back to the XXXX number again and ask for a different supervisor. I found this to be completely unacceptable. All I would like is the {$39.00} fee waived. I have been a long time Capital One customer and am always in good standing with them. I feel like a one time courtesy fee reversal is not an outrageous request especially for a long time customer. I could understand if the annual fee was charged 6 months ago, but it was literally within XXXX days of the card change. Also, I don't feel as though XXXX or XXXX were sincere and wouldn't even listen to the request- they just immediately said no and immediately said it is against policy.
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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my XXXX credit report on XXXX XXXX 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: Money transfer, virtual currency, or money service

I received a PayPal payment for XXXX from my pastor and PayPal put a permanent limitations on the account
Product: Payday loan, title loan, personal loan, or advance loan

I made a purchase online for a virtual Business card through a company called XXXX for XXXX. Affirm was offered at the checkout as a payment option and after a credit check I was approved. XXXX sends you a physical business card they people can scan with they're phone to see your virtual information. I made the order on XX/XX/year> and was supposed to receive it by XX/XX/year>. I contacted XXXX on XX/XX/year> and requested a refund because the tracking information from XXXX showed that the order was never shipped out and it also did not arrive. XXXX said they would not issue a refund unless I returned the original product that I never received. After threatening to file a dispute XXXX said they mailed out another XXXX Bundle. As of XX/XX/year> I have never received THE XXXX Bundle or any XXXX product and want a full refund as the product was never received in the mail. 

XXXX XXXX number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$480.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$290.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$310.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$340.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$550.00} XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft CITI Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow metro 2 compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
Product: Vehicle loan or lease

I made my lease payment at the end of XX/XX/XXXX. I believe it was made out of the wrong account. Furthermore, the account that it was pulled out of was not attempted to be pulled out from for 12 days. 35 some days after payment was due, I get a call asking for payment. I am shocked. I thought that the pullout was not even for last month but for this monthly payment because it was close to XX/XX/XXXX, which I was actually angry about. I thought it had been made earlier than it was supposed to be. After rep called, I found out the truth and immediately made payment, dated that day for XX/XX/XXXX. Customer service representative waives late fee and apologizes and makes no mention of how they destroyed my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had someone try to open credit in my name and that produced hard inquiries into my account. I flagged those as fraud with Equifax and with less than XXXX they said they were valid inquiries even with a fraud alert on my credit. The did no due diligence and said that the information will stay on my credit record even though they did no effort to contact me or to see that there were multiple hard inquiries in a short time frame ( which is not the normal for my XXXX credit score ).
Product: Credit card or prepaid card

I want to share with you my experience with Capital One credit card bank. I did make reservations with XXXX for two places. One in XXXX and one There was blood on the Unfortunately, we arrived at the hotel and to our surprise, it is nothing like the picture. they were three ( 3 ) single bed with no sheets. The Bedbugs were everywhere on the beds that we could see them with bare eye even at XXXX XXXX  without any accurate lighting. 
It was blood on the bathroom floor too. 
The walls were covered with stain. The room had such a bad we couldn't even stay for 10 minutes. it was very unbearable. We did ask for another room but, we were told thats all they can provide us. 
How do you expect us to go to the bathroom when there is blood all over the floor? That is not sanitary, or hygienic? We were charged over {$100.00} a night for such unclean, filthy place when they advertise for such nice clean room? Please see what picture they send us. This was nothing absolutely nothing like what was giving to us at the hotel. Therefore, we called XXXX the same night and they advise us to leave and dispute the charges with our bank. Which we did. 
Why we didn't say anything about our place in XXXX? Because the room was sanitary, hygienic and it was acceptable. No question or no argument about that but the place in XXXX was EXTREMELY unsanitary, unhygienic and filthy which I cant believe XXXX advertise for such places. 
I have pictures as an attachment for your review. 
My issue with the Capital One is, we did call the Capital One right than from XXXX and I told them what happened. Capital One advised us to take a picture of the room and go somewhere else and that is exactly what we did. They must have a record of our call from XXXX. 
We dispute the charges in XXXX XXXX, XXXX. Capital One response back to us in XX/XX/XXXX that because our room was none refundable there is nothing they can do. I provide them the letter and the pictures that I took. Next thing I know I was told I must pay the {$330.00} and found some official company to verify those pictures are from that room. 
My questions to Capital One are why now? How am I going to do that? where am I going to get some official company to verify those pictures? why would I mislead anyone in the first place? Why I didn't dispute the charges for my place in XXXX? Why would I go through all this headache for what? look at my history or my score what type of person you think I am. What Capital One is doing manipulating their customer is just unprofessional and unacceptable. Please do something about this organization.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub> 2025, I sent an Intent to Sue ( ITS ) letter to Experian via Certified Mail with tracking. In the letter, I disputed inaccuracies on my credit report and requested verified documentation to support the accuracy of the information or, alternatively, that Experian correct or delete any information that could not be verified. 

Along with my ITS letter, I submitted supporting documents that included [ briefly mention types of documents, e.g., proof of payment, letters from creditors, or identity verification ] to substantiate my dispute. 

It has been more than 30 days since the letter was delivered, and I have not received a substantive response or the requested documentation from Experian. 

Additionally, I previously filed a complaint with the CFPB ( Complaint Number : XXXX ) about this issue. In response, Experian informed the CFPB that they are still working on it, which appears to be a deliberate attempt to delay the investigation beyond the timeframe required by the Fair Credit Reporting Act ( FCRA ). This response did not include any new information or an estimated completion date for the investigation. 

I believe Experians actions violate the FCRAs requirement to complete investigations within 30 days. I am requesting that the CFPB investigate this delay and take appropriate action to ensure compliance.
Product: Debt collection

I XXXX XXXX became an authorized user for several of my daughter in laws credit cards several years ago. I have recently discovered that she has defaulted on all of these credit cards. I now have these defaulted accounts along with the continues collection process, that also does not belong to me. Accordingly, I demand the deletion of the following accounts from my credit reports collectively : XXXX XXXX XXXX DISCOVER FINANCIAL SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On my Equifax credit report, several unauthorized hard inquiries were made by various companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others, without my knowledge or consent. These inquiries appeared on the following creditors and dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Despite not applying for credit or providing permission for these inquiries, they remain on my report, causing significant damage to my credit score. 

Additionally, Equifax is reporting late payments for my XXXX XXXX XXXX account. However, I have never missed or been late on any payments for this account. I have consistently made all payments on time, yet these erroneous late payment reports are negatively affecting my credit score. The reporting of these late payments is incorrect and violates 15 U.S.C. 1666b, which protects against such inaccuracies.

I have attempted to resolve these issues by disputing the inquiries and late payment reports directly with the credit bureaus, but no satisfactory action has been taken. I am seeking the removal of all unauthorized inquiries and the correction of the inaccurate late payment reports.
Product: Debt collection

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Portfolio Recovery Associates LLC 's unauthorized debt collection activities in the state of Ohio. According to my review of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  website, Portfolio Recovery Associates LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is not licensed to collect debt in Ohio as of XX/XX/XXXX. 

I attempted to verify Portfolio Recovery Associates LLC 's licensing status by contacting them directly on XX/XX/XXXX and the call was approximately 8 minutes. During the conversation, the representative I spoke with tried to assure me that they are licensed to collect debt in Ohio. However, according to the information available on the XXXX website as of the date of my review, they are not licensed. 

I am deeply concerned about Portfolio Recovery Associates LLC 's misrepresentation of their licensing status and their continued attempts to collect a debt in Ohio without proper authorization. The representative I spoke with was uncooperative and failed to address my concerns regarding their licensing status.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, KOHLS/CAPITAL ONE XXXX