23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXXXXXX XXXX Account XXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

XXXX XXXX Act:XXXX 15 U.S. Code 1692 ( c ) c ( Which states ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, )
Product: Debt collection

This medical bill pertains to my son. His father is responsible for paying this bill and his card or bank account is currently making monthly payments on this bill. I would like the debt to be transferred to him since he is the responsible party.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankruptcy on my trans union report that is not mine Ive disputed several times and have contacted the courts and was told they did not report this. Ive contacted all parties and have got no valid confirmation as to why this exists on my report please verify or remove. Thanks.
Product: Money transfer, virtual currency, or money service

A person impersonating a police officer called my workplace, made me leave work to pay a fee for 2 citations for missing jury duty over XXXX XXXX - didn't work, then XXXX-did n't work. Then finally XXXX. They claimed that due to COVID they are taking payments via online payment only. I paid {$2500.00} to the XXXX County Sheriff 's Office via Venmo payment. Then they told me to come into the sheriff 's office down on the south side of XXXX. Gave me a phoney address. When I couldn't find the address, I called the XXXX County PD for address. Then they told me it was a scam, that address doesn't exist. They told me to call XXXX XXXX PD to file a police report ( see attached ). Then they told me to call all the credit bureaus to set up an extra security alert on my SSN. I did. Then I called my bank, a stop payment was put on the payment. I got my money back because my bank and I acted quickly. Now Venmo is threatening me with debt collection even though I was a victim of a scam. They want ME to pay the {$2500.00} instead of the person who stole it. I gave them the name and phone number to the criminal. They are still coming after me. A criminal was impersonating a police office to commit fraud. They were professional con artists and very believable. I got my money back so Venmo should now go after the people that took my money, not me ( the victim ). I emailed Venmo only, can't get through to anyone by phone due to COVID.
Product: Checking or savings account

I have a commercial account. I had previous overdrafts and corrected everything with the bank. I then told them to eliminate overdraft protections on the account and said, " If I don't have the money in the account, I'd rather just be embarrassed at the checkout. '' I do not remember their response, but had subsequent overdrafts. When I went to square up this 2nd time, I asked why did they pay my debts when I had no money and requested NO-OVERDRAFT protection. Bank personnel told me " I couldn't opt out of overdraft protection on a commercial account. '' They had no explanation for this policy. 

Is that legal? I tell them not to spend money I don't have, but they do and then charge me a fee and ongoing penalties for negative balances. 
Sounds like a form of extortion. 
For all this trouble, I could just open a credit line. I'm sure the interest would be much lower than the fees ( for a service I don't want and didn't request ). 

Thanks, XXXX
Product: Debt collection

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX / {$460.00} / XX/XX/2021
Product: Credit card or prepaid card

I received an offer for Delta SkyMiles Amex Gold Card ( XXXX XXXX ) with {$99.00} annual fee waived for the first year. Called twice to confirm fee will be waived ( on XX/XX/XXXX # XXXX and XX/XX/XXXX # XXXX ) but received first bill with a prorated fee! I called a third time to complain ( on XX/XX/XXXX # XXXX ) and was told the " back office '' determined fee would not be waived in spite of my written offer and my being told twice fee would be waived. Plus, I was not informed the fee was reinstated when Amex made this back office determination. Am waiting to hear Amex resolution.
Product: Credit reporting or other personal consumer reports

The consumer was the victim of identity theft, wherein CENTRAL PORTFOLIO CONTROL ( hereinafter referred to as " CPC '' ) furnished inaccurate information and made false representations to defraud and deceive the consumer in the amount of {$2200.00}, plus accrued interest. The consumer asserts that no consent, agreement, or services were ever made, authorized, or provided with CPC. Despite this, CPC falsely reported this alleged debt to credit reporting agencies, causing significant harm to the consumers creditworthiness, financial reputation, and overall well-being. 

CPC 's actions constitute a violation of the consumer 's rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by : Furnishing false and inaccurate information to credit reporting agencies. 
Failing to verify the legitimacy of the debt before reporting. 
Engaging in deceptive and fraudulent practices to collect an illegitimate debt. 
Causing undue financial and emotional distress to the consumer.
Product: Money transfer, virtual currency, or money service

I am filing against cashapp ( block inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( cfpa ). Specifically cashapp failed to take timely and effective measure to prevent fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fun transfer act ( efta ) and regulation e. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

On XX/XX/XXXX I sent a letter to Bonneville Collection to help me understand what this account is and get them to verify the account. There has been no response from this company and have sent a letter on XX/XX/XXXX, XX/XX/XXXX. The balance has changed every month since I started checking my credit report on XX/XX/XXXX the balance was {$180.00}, XX/XX/XXXX {$190.00}, XX/XX/XXXX it was {$190.00} and my last report was XX/XX/XXXX of {$190.00} 1. This account shows collection show how is the balance increasing every month 2. Although it shows on my report that it was disputed there has been no reply from this company to any of my letters. How can this be
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Late Payments From Credit Report | I am writing to request assistance in removing late payments reported on my credit report. I was reviewing my credit report and found some errors relating to my payment history on some of my accounts. And I know that by law Credit reporting agencies have the responsibility to report accurate information IN WHICH THEY ARE NOT. Attached file are proofs shown on my Experian! 
Date of late payment : XX/XX/2023 and XX/XX/2023 and XX/XX/2023 are reported as inaccurate through my accounts and should be removed because it is prohibiting my future requirements. 
I have already contacted the creditor and the credit reporting agency to dispute these late payments but the issue has not been resolved. I believe these late payments are either inaccurately reported or should be reconsidered due to the extenuating circumstances.
Product: Debt collection

The Law Office of Maury Cobb has been repeatedly calling my phone number throughout the day beginning first thing in the morning everyday for the passed 2 weeks. This complaint comes to you pursuant to the Telephone Consumer Protection Act and the Fair Credit Reporting Act. This Law Firm is repeatedly calling my home, failing to say who they are and what they want. I am unaware as to what they could possibly want with me, but I want the harassment. This aggressive pressure needs to stop. 

I am afraid that this collection agency might attempt to place derogatory information on my credit reports. As a XXXX ... and due to the impact of Covid 19 I do not need any extra added unnecessary pressure to my life while trying to serve others. Which is why I pray that you can offer some relief with this matter. 

I have not received any written notices from this law firm regarding any alleged debt that they might be attempting to collect on.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX  XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputing Inaccuracies on My Credit Report Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from XXXX XXXX Account Number : XXXX. This Collection account is reporting not only as Open on all accounts but also shows a past due balance of [ {$260.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I am requesting that your company provide me with debt validation be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). Please provide a breakdown of fees, including any collection costs. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. 


Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I realized that I have transferred XXXX global wire transactions to a fraud XXXX day before, with the total amount of {$16000.00}. I called XXXX to submit a claim for tracking the money. I have just received an update email on XX/XX/XXXX, saying that they denied my claim because they determined that the item being disputed were authorized or I received benefit from the item, so they will not reimburse my account. However, I believe I encountered a scam. I have told XXXX that this is a scam, and I have also called the police to confirm with this. I called XXXX immediately once I realized it was a scam, only XXXX day after my transaction. However, given the long time range between the starting and ending dates of their investigations, I suspect that they did not fully investigate this case and provide a helpless feedback.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a dispute letter regarding on those inaccurate and unknown accounts. But today its Over 30 Days and I haven't receive any response. I was a victim of Equifax Data breach. I demand to remove Asap those Accounts or I will file a litigation.
Product: Debt collection

Rbfcu keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account number XXXX When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act XXXX XXXX ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : - XXXX XXXXXXXX XXXX Balance : - XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$910.00} XXXX  XXXX XXXX Balance : {$250.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$1600.00}
Product: Credit card

Reported fraud and scam after I realized this same person hacked my XXXX  account. Also, I reported I was being threaten and blackmailed by this company and asked if they could do anything about it. I told them I had a police report. 

Both XXXX and PayPal kept sending me back to work with the scammer. They requested I contacted the merchant to work something out. 

Also, this company XXXX XXXX kept promising me my profit was coming but asking for more fees over and over again. 

Once again PayPal said since I sent to to family and friends they couldnt refund me. B this is their rules. I tried to reverse the transactions but it was too late.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Experian for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts reported as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Dispute in regards to the incorrect items on my credit report with Credit Bureaus XXXX and Transunion on XX/XX/2022. It has been well over 30 days and I haven't received any investigation results. 

Kind Regards XXXX XXXX
Product: Credit card or prepaid card

This company ran my credit 7 times. This was only supposed to be a soft pull. Then they denied application saying they couldnt verify me although they obtained my score. They are violating the Equal Credit Opportunity Act.
Product: Debt collection

I received a notification in the mail from Jefferson Capital Systems for a debt they bought for a XXXX XXXX bill. They also placed this debt on my credit report. I disputed this debt immediately because I have never had a XXXX XXXX account or know what this would be for. I requested proof of debt ( which they could not provide ) and requested this be removed from my credit report because this is not my debt. This occurred XX/XX/XXXX. I, also, reported this dispute to the credit reporting agencies. They just placed a line note on my reports, but it would n't be removed until XX/XX/XXXX.
As of XX/XX/XXXX the debt is still on my credit report. This is impacting my finances for a debt that is n't even mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has acquired my personal information and have applied for services. I've a fraud alert on my credit file.I wasn't contacted by equifax or the companies running these inquiries.I 've contacted the businesses and they're telling me to contact the credit reporting agencies, the agencies are telling me to contact the companies.
Product: Credit card

Capital One card ending in XXXX. I no longer have the full account number because I cut up the card after I canceled the account. 
My card was being used for housing during a family issue. Authorized up to credit limit. After limit reached charges were denied, and then began to be charged irregularly. 
# On XX/XX/XXXX I called and was told system was down for maintenance those times. To end problem I canceled the over limit option. 
They continue to accept charges and on XX/XX/XXXX I called again and was told that they had a contract with the business that over -rode my canceled over limit option, and I was responsible for stopping them from presenting charges, but could close the account. I closed the account. 
XXXX XXXX the account was closed they once again added charges to the account. I called back to dispute the charges made after XX/XX/XXXX. I believe that my account/contract allows me to make decisions on whether or not over limit charges are made. They claim it does not and then actually charged to a closed account. The five charges that were unauthorized total {$4100.00}.
Product: Debt collection

Account Name : PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2019 Balance : 834 Reason : Identity theft Please remove it from my Credit Report.