23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The bullet point I selected does not fit with my situation but it was the closest thing on the list. 

The collection company and I agreed to pay off my debt starting of the XXXX of XX/XX/2021. We agreed that every month they would charge my account with {$150.00} on the XXXX of every month until XXXX where we changed the payment date to be the XXXX of every month. This collection agency would repeatedly take the money out of my account 1 or 2 days after the agreed date so now XXXX has marked all of those payments as late and is hurting my credit. I wrote a letter to the 3 bureaus about this company charging and illegal fee on top of the debt I have accumulated so the 3 bureaus closed the account but XXXX marked it as a charge-off due to these late payments. 

It was the responsibility of the collection agency to take out the money out of my account on the agreed dates and I did not cause them to take the money late in any of the late payments. Both the XXXX and XXXX reports agree that the payments were not late and that the account is not marked as a charge-off so it is just XXXX that is giving me these issues. 

I would appreciate your help in resolving this issue. Thank you for your time.
Product: Credit card

They suddenly requested Form 4506C, which came preprinted with my current new address. However, the filing took place with a previous address where I filed my taxes.
Product: Credit card or prepaid card

I am Contacting youll in need of desperate help.I recently just tried to get me a credit card through XXXX XXXX XXXX but I got denied because there are some credit cards open in my name which I have no knowledge of I am currently a victim of fraud since about XXXX or maybe even XXXX it started off when my mom got evicted and all of our stuff was locked In the house every since than my life has been a living XXXX I am a young mother trying to build credit so I can move further in life to better me and my child but there are so many things holding me back due to this fraudulent activity..The banks the company has notified me about are XXXX XXXX and TCF I am so lost at this moment because I never even had a account XXXX would have been my first step of bettering my credit! Im not sure what year these accounts were I just need answers and see how to keep moving forward
Product: Credit reporting, credit repair services, or other personal consumer reports

On account XXXX XXXX XXXX appearing on XXXX  and other bureaus that includes at least EXPERIAN, XXXX  AND OR XXXX depicted false information, it appears by removing information, so the account is inaccurate AND incomplete.The result made a 2008 fico XXXX score into a fico XXXX score.They have taken a paid collection and made it appear as an open current collection.COMPLETE PROOF IS ATTACHED. 
THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY AS IT IS AFFECTING CREDIT TRANSACTIONS IN THIS DAY.
Product: Checking or savings account

I opened a checking account with Chase bank in XX/XX/2020. Chase bank had an offer of {$300.00} if a direct deposit of {$500.00} or month was made. The direct deposit had to be set up within 45 days or something like that. I transferred my XXXX monthly retirement check over to Chase which met this requirement. The {$300.00} from Chase was declined because now they say it has to be a social security or employer paycheck. My XXXX  retirement check is from the state of Texas. It takes the place of social security.
Product: Credit reporting, credit repair services, or other personal consumer reports

ex landlord illegally sent my name and 6 others to a collection agency because he is a habitual serial litigant, and his court order was denied. Next scheme, tally up what you can without anyone knowledge, hire the collection agency ( Caine and Weiner ) without judgement or orders or receipts, reason : Eviction aftermath and Mayhem. He XXXX XXXX Owner of XXXX XXXX XXXX XXXX. filed an eviction, the month after i left yet still sent me and 6 others demanded {$38000.00} after red tape no retrieval of those documents, ( XXXX ) as per collection lady, XXXX XXXX they finally after months of dispute and request for the docs. Manager Mr. XXXX said case is closed, can't assist! Why did agency work with this man who illegally did this to me? XXXX, i will have to get the sheriff out, he won't release to me either!! i don't need them now, but i keep for proof. 
I have forwarded my horrible situation to the Attrny General, city DA, DCFB, XXXX.
Product: Credit reporting or other personal consumer reports

Dear NATIONAL CREDIT SYSTEMS INC, I hope this letter reaches you promptly. I am writing to bring to your immediate attention a grave matter that requires urgent resolution. It has come to my knowledge that my personal information, including my Social Security number, was obtained illegally by your agency from NATIONAL CREDIT SYSTEMS INC.

I want to emphasize that I have never authorized any transaction or agreement that would allow you to pursue this alleged debt. The distress and XXXX  this situation has caused me are profound. I am now faced with the frightening reality of identity theft, and I can not stress enough how serious this issue is for me. 

I demand that you cease all collection activities related to this matter immediately. Continuing to pursue this alleged debt is not only unethical but potentially illegal, given that my information was acquired without my consent. I expect you to remove any negative entries from my credit report associated with this account, as it does not reflect a legitimate obligation on my part. 

Please understand that this is not just a minor inconvenience for me ; it is a serious violation of my rights as a consumer. If this matter is not resolved promptly and to my satisfaction, I will have no choice but to take further action, including reporting this incident to the Federal Trade Commission, my states attorney general, and other relevant authorities. I may also seek legal counsel to protect my rights.

I hope for your cooperation in resolving this matter swiftly. Please confirm in writing that you have halted all collection efforts and that you will remove any negative information from my credit report related to this issue. 

Thank you for your immediate attention to this critical matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

There are unauthorized accounts on my credit report. Please block and delete them promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding a significant drop in my score without any evidence that caused it. 

I chatted with XXXX at Experian, who thought I was looking for financial advise and who said that they could not explain the drop. I am not interested in financial advice, I do need an explanation for the drop. As a consumer, I am entitled to know why and as reporters you have a responsibility to be transparent. 

My score dropped 22 points in a week with no hard credit checks. My credit use has remained the same for many months. 
I need an explanation about where this came from, who reported it and why my score dropped 22 points.
Product: Student loan

An appeal dispute was reissued after a plausible inquiry on XXXX XXXX 2015 of probable identity theft with the Consumer Financial Protection Bureau as of XXXX XXXX 2015. The plaintiff # XXXX attest that the issue was NOT identity theft, rather, he is a victim of XXXX discrimination and financial coercive activity by agency AMERICAN EDUCATIONAL SERVICES ( AES ) /PENNSYLVANIA HIGHER EDUCATION ASSISTANCE AGENCY PHEAA.
Product: Vehicle loan or lease

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$7500.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
Product: Money transfer, virtual currency, or money service

My dad and I share a bank account with TD Bank. On XX/XX/20, I noticed there were five unauthorized XXXX transfers on my account for a total of {$4800.00} to someone I did not know that occurred. I immediately notified TD Bank and submitted a fraud claim. I also froze the account and opened a new account. At this same time, my dad realized that his information had been compromised as he noticed fraudulent activity on his other TD accounts and he also opened a new account. We have both called TD Bank and told them that we had never authorized XXXX. XXXX had never been used on my account before. 

After following up, I have been told by TD Bank that my fraud claim has been denied since my dad 's email address was used to authorize XXXX. This is despite the fact that we told TD Bank that my dad 's information had been compromised and that we have never authorized XXXX. 

TD Bank has told me that I am liable for the full {$4800.00}. When I called TD Bank today, I was informed that I needed to submit proof that my dad 's information was compromised. I am not sure how to produce such information other than the fact that we immediately reported the fraud, closed the accounts where the fraudulent activity occurred, opened up new accounts and have changed the passwords on all of our accounts.
Product: Consumer Loan

I received a " notice of default right to cure '' letter on XX/XX/2016 threatening me and demanding payment by the XXXX or further action may take place. The funny thing about this letter is that it 's dated on XX/XX/2016 but it says that I 'm past due on my XX/XX/2016 payment. I 'm not a lawyer but I 'm sure that you 're not supposed to send a notice of default if a person is not in default right? Another funny thing about this letter is that it showed up 3 days after I filed my other complaint against this company on XX/XX/2016. It 's strange how this threatening letter just popped up. I really regret that I ever did business with this company and took out an auto loan. It has really turned out to be a decision I deeply regret. I really want this contract cancelled and I want to be done with them.
Product: Debt collection

In XX/XX/2019 I called XXXX XXXX XXXX and asked to set up payment arrangements. I had gotten behind and want to get this paid off. He told me that he could not do that I would have to contact a collection agency but did not give me information. He then charged my account {$140.00}. I have had a guy call different work locations I do not work at and keep asking employees information about me even though he was told by the store manager to not call again and that we do not answer questions about employees all verification have A strict policy. He called from XXXX he then proceeds to call another location and same thing is advised to stop calling that I am not in these store no information would be given per policy. I then call his number to figure out what this is and it sends me straight to voice mail and says hang up do not leave message this is an investigation department. I tried texting number to stop contacting my references and work and that I do not know what this is about but to stop contacting them. He has called my employer and family saying if I do not call back immediately and provide a claim number he is on his way to my employer to serve me documents. Today is the first day I was given a valid number and even the name of the company XXXX  XXXX XXXX. It's never been provided and I thought he was a scammer because I can not call him back but he keeps calling my work and family. Today I called a number that was left and I asked the lady to stop having people call my work and family that I can set up payments and she informed me I can only stop the calls to my job at locations, that I'm not even working at and my family is by paying over XXXX in full and that I am committing fraud by defaulting contract even though I've made plenty of payments and also tried to set up arrangements was told I can not then charged anyway. She said that it was my intent not to pay off balance and that she will not stop the harrassment unless I pay in full.
Product: Credit reporting

i have contacted equifax on the inquires on my account that are fraud and not mine. they have done nothing to help and continue to allow fraud inquires on my credit history. here are XXXX of the letters that were sent to me from these companys. I have more
Product: Credit card or prepaid card

On XXXX I was sent a PENFED Visa Debit card that I never applied for. Someone used my name and personal identifiers to open a fraudulent account. I called PENFED and closed the card. PENFED said that they would have someone from their fraud department get in touch with me within 15 days.
Product: Credit reporting or other personal consumer reports

There seems to be an identity theft going on my TRANSUNION credit report as someone is trying to apply for a credit card with the name XXXXXXXX XXXX XXXXXXXX on XX/XX/year> without my consent or knowledge
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an ongoing issue regarding inaccuracies on my credit report, specifically with TransUnion. On XX/XX/XXXX, I initiated contact with TransUnion to address the following discrepancies, but to date, I have not received a response. The details of the erroneous information and the necessary corrections are outlined below : The account listed as XXXX XXXX XXXX Opened : XX/XX/XXXX, XXXX : {$0.00} ) is not mine. Please remove it from my credit report. 


The account listed as XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$8000.00} ) is not mine. Please remove it from my credit report. 


The account listed as XXXX ( Date Opened : XX/XX/XXXX, Balance : {$340.00}, Original Creditor : XXXX XXXX XXXX ) is not mine. Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Confirmation number XXXX remove the internal block so I can access my credit report XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX , D.C. XXXX Subject : Strong Complaint Regarding Inability to Access Credit Report Dear CFPB, I am writing to formally lodge a complaint against Equifax for my inability to access my credit report, which I believe is a clear violation of the Fair Credit Reporting Act ( FCRA ). As a consumer, I have the right to obtain my credit reports from each of the major credit bureaus, including Equifax. 

Throughout XXXX and XXXX of 2025, I made multiple attempts to access my credit report from Equifax, XXXXbut I have been unsuccessful in doing so. This ongoing issue not only hampers my ability to monitor my credit status but also raises serious concerns about the compliance practices of Equifax regarding the FCRA. 

I have attached all relevant communications from Equifax, along with screenshots documenting my attempts to access my credit report. It is evident that preventing access to my credit report constitutes a violation of my rights as a consumer. 

I kindly request that the CFPB investigate this matter thoroughly, as it is crucial for consumers like myself to have unimpeded access to our credit information. I hope for a prompt response and resolution to this issue. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

PHH responded to previous complaint that they did not report my payments past due in consecutive months during a Covid 19 related income/job loss in 2020. I am attaching the copy of my XXXX credit report that clearly shows 30 day past due in both XXXX and XXXX of 2020. I previously reported XXXX and XXXX of 2020 but it is actually XXXX and XX/XX/2020. THIS IS INCORRECT as I was put on a forebearance in response to the Covid 19 situation.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the presence of fraudulent items on my credit report and the multiple unsuccessful attempts to have these items promptly removed. The nature of this matter is urgent, and I am seeking immediate resolution to mitigate any further damage to my financial standing. 

I have previously submitted disputes regarding the fraudulent items on my credit report, and despite my efforts, these items persist. This situation is not only causing undue stress but is also adversely affecting my credit score and financial reputation.

The fraudulent items in question include inaccurate names,, addresses, late closures and inquiries. I have attached supporting documentation, including police reports, identity theft, and other relevant evidence, to substantiate my claim and facilitate a swift resolution. 

I understand the Fair Credit Reporting Act ( FCRA ) mandates a timely investigation and resolution of disputes, and I am disappointed by the apparent lack of progress in rectifying this situation. I request your urgent attention to this matter and immediate action to expedite the removal of these fraudulent items from my credit report. 

Given the repeated attempts to address this issue without success, I request a thorough review of my case to identify any obstacles preventing the timely resolution of this matter. Additionally, I insist on receiving regular updates on the progress of the investigation and removal process. 

I expect that all relevant creditors and parties involved be promptly notified of the fraudulent nature of these items, and the necessary steps be taken to ensure their swift removal from my credit report. 

As a consumer, I rely on the accuracy of my credit report to make financial decisions, and the presence of fraudulent items compromises my ability to do so. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX DEPT OF EDUCATIONXXXX XXXX Balance : - DEPT OF EDXXXX XXXX Opened XXXX XXXX XXXX Balance XXXX $ XXXX/previously late open XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXXXXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX Balance : XXXX DEPT OF ED/XXXX XXXX  Opened XXXX XXXX, XXXX Balance : $ XXXX/previously late open 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

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Payday loan

I 'm being harassed my a collection agency They threatened me with jail time warrant for my arrest My husband called and and they called me a thief a liar and could not do a debt validation to us They tried to get us to wire {$1100.00} and the collector kept yelling at us and did n't let us talk to resolve the situation and she hung up on us as she threatened with felony warrants and charges The collection agency is XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXX dept bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four day business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXXXXXX {$6100.00}. XXXX XXXX XXXX XXXX {$1100.00}. XXXX XXXX - XXXX XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$21000.00}
Product: Checking or savings account

My account was closed a few months ago, and since then they have not proceed to send the cashier check with the amount of money I had on the account. Also I reported a fraud made with my debit card and I still don't have any news about the case. 
The contact with the bank has been impossible. 
I also have this case with them XXXX without any update more than one month ago.
Product: Checking or savings account

Bank located in has received my check of {$1400.00} showed no proof of fraudulent volunteering closing out my accounts while in Her presenc. Walked out with {$200.00}, instead of {$1600.00}, closed accounts,, showed no proof to me, that my check was fraudulent, stealing my money from work study, I received from a work study Job through XXXX XXXX XXXX XXXX XXXX. I was treated UNFAIRLY. They didnt give None of documents. Just word of mouth
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit card or prepaid card

Capital one off er me balance transfer with lower interest and I request a check so I can deposit into my account so I can pay credit card bills. Now capi tal one charged on my capital one account day 1 and I never got check, they refuse to give credit back and interest they charge me for that balance transfer offer which is {$2500.00}.