23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX/XXXX/2015 I received a letter from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. The letter claimed that I owed XXXX on a storage unit. I have never obtained a storage unit from this company. I called their number XXXX three times during business hours. No one answered. I left XXXX separate messages. I never received a response. On XXXX/XXXX/2015 I received a letter from a collection agency Allied Interstate. I am now in the process of disputing this charge with the collection agency. I am completely without fault. Yet, I now have to spend my time disputing these charges because XXXX XXXX has failed to do their job.
Product: Bank account or service

A fraudulent transaction, in the amount of {$42000.00} was authorized for payment from a savings account at Wells Fargo Bank. The " pending '' transaction description detail " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' was noticed after logging into mobile banking on the morning of XXXX XXXX. At the same time it was also discovered that XXXX other transactions posted as ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ( 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX were posted on XXXX XXXX. These transactions were not authorized by the account holder. 

I contacted Wells Fargo who submitted a claim and attempted to put a hold on the pending transaction but was told that the funds were gone - I know this is incorrect since the daily processing had not yet occurred. I inquired as to how it is that a transaction of these amounts on an account that has never been authorized to do business with either of these companies / individuals would not be considered suspicious. I raised my concerns that XXXX and other regulations were not being followed with appropriate fraud monitoring. I was told that since someone had intercepted the routing and account numbers there was nothing they could do. I informed them that I was n't sure how I could trust Wells Fargo to act as a fiduciary of my accounts if this kind of activity could occur without monitoring. I also informed them that I recently opened a HELOC with Wells Fargo where I was asked to provide this savings account statement for underwriting purposes. I contacted XXXX but was told they would not do anything until Wells Fargo contacted them. I contacted XXXX XXXX XXXX, XXXX but as of the submission of this complaint was unable to reach anyone. 

My complaint is around non-compliance with XXXX, fraud monitoring and information sharing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXXXXXX. Please remove this account ASAP.
Product: Credit reporting or other personal consumer reports

am writing to dispute the following unauthorized hard inquiries that appear on my Equifax credit report. I am a victim of identity theft, and none of these inquiries were authorized by me. I am requesting that these fraudulent inquiries be immediately removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which mandates the removal of any information related to identity theft. 

The unauthorized inquiries are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my authorization, and I request that Equifax immediately investigate and remove them from my credit report. These fraudulent inquiries are negatively impacting my credit and I trust that they will be removed as required by law.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

Signature load from back in XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX got behind XX/XX/XXXX / XX/XX/XXXX attempted to work out arrangement w/ XXXX - would not work with me in any form while continuing to add penalties/ Fees and Interest on top of the accountXXXX XXXX stopped communicating w/ me for several months then I was contacted by Debt Collection Firm out of XXXX, XXXX ( XXXX & XXXX ) for payment arrangements - which I did as required made payments to them for this account and did so for three years - requested a balance on the account was told that it was paid - but no written documentation was ever sent as requested - collection reps would not give me their name whenever I called back to inquire. 
In XXXX XXXX a Law firm out XXXX through their regional office in XXXX started sending me collection notices on the same account in an amount of approx. half of the original starting point with XXXX -- responded to them XX/XX/XXXX that this was incorrect and the account was paid in full as directed. Started receiving the same notices again this year this spring - they filed suit again me XX/XX/XXXX and the paperwork was served to my husband on XX/XX/XXXXXXXX has posted this account situation with the credit reporting firms on my husbands record as a " joint '' account for the past XXXX years -- he has made several attempts to get XXXX to either validate this information or remove it - their reply is always " correct as reported " Need some help believe I have been a victim or predatory lending/ and collection practices and my husband credit damaged for a very long time in violation of the Fair Credit Reporting ActPlease advise
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent 2 dispute letters each to Experian, XXXX, & XXXX. The first was disputing an inaccurate bankruptcy, and other was disputing a list of inaccurate accounts being reported by the bureaus. 
I never received a reply from any of the bureaus within 30 days, so I sent another round of letters on XX/XX/2020 demanding that action be taken to remove the inaccurate accounts. 
Experian is the only credit bureau that has replied to be, but the letter was dated on XX/XX/2020, 48 days after my first letter was sent. And they haven't removed the inaccurate accounts from my credit profile. 
I have included all of the letters I've sent to the bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I Disputed items on my credit report that are in accurate. It has been over 45 days and i still have not gotten a Response from the Credit Bureaus. i have also sent a demand to reply letter to the credit bureaus on XX/XX/2020
Product: Credit card or prepaid card

This complaint is in addition to a previous complaint. The complaint number is : COMPLAINT ID XXXX I am filing an additional complaint because the company in question is now in willful violation of statute. I spoke to 2 different representatives from CFPB who confirmed that the disputed amount on my credit card is Not to be part of the balance to be paid on my credit card. Unfortunately, the disputed amount of XXXX WAS part of my balance on my card and I was charged over {$200.00} in interest while this dispute is STILL under investigation. To make matters worse, I contacted a gentleman named XXXX from the Chase Credit Card executive office at XXXX Extrension XXXX who stated that they can keep the disputed amount on the balance and charge interest on it and just reimburse if the case should go in my favor. He stated this after I told him that I spoke to CFPB and I informed him that he was required by statute to keep the disputed amount off my balance and Not charge interest until the dispute was resolved. Unfortunately, they are hurting my credit score and charging me interest in clear blatant violation of the law. Please contact the merchant and require them to follow the law and get the disputed amount off my balance and the interest charges reversed as soon as you are able.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been trying to have collections from my credit report. I am a victim of fraud and is hindering me to move forward in purchasing a home. 
XXXX XXXX  XXXX XXXX {$290.00} Last reported XX/XX/2018 XXXX   XXXX XXXX {$470.00} Last reported XX/XX/2018 XXXX  XXXX XXXX {$800.00} XXXX XXXX XXXX {$290.00} I have sent letters to dispute issue and also disputed online for each creditor. 
There is someone with the same name is me living in Georgia. I am not sure if she is using my social security number but I had to put fraud alerts on my credit and also security freezes. I just need this issue resolved. 
I have sent letters to dispute issue and also disputed online for each creditor. 
There is someone with the same name is me living in Georgia. I am not sure if she is using my social security number but I had to put fraud alerts on my credit and also security freezes. I just need this issue resolved.
Product: Vehicle loan or lease

On XX/XX/2020 I spoke with an anonymous Employee at Citizens One for my auto loan. 

I was trying to pay my car loan with my credit card. They advised me that was not a service they offered. I asked how to get my loan through another company. They gave me very general information and no direction to keep me with their loan. I was talking to the anonymous employee and they would not give me an ID #, Employee # or any kind of identification to refer back to. They were being very Discreet and evasive. I now have no idea of who I spoke with, what information they have or how to fix the problem.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see an unauthorized inquiry on my credit report, and I have no idea why its there. I refreshed my browser thinking it might be a glitch, but the issue persisted. I am extremely frustrated and demand that the documents I submitted be thoroughly reviewed so I can stop worrying about this.
Product: Debt collection

After doing research, this business is not legally licensed to collect in the state of Pennsylvania which is whats needed to be able to collect a debt. Also, this is a medical collection. According to the CFPB, any medical collect that is under {$500.00} isnt legally supposed to be on my credit report and has to be removed. 

In addition, this company is violating my rights this agency hasnt provided validation information which is under 12 CFR 1006.34 ( b ) ( 5 ) but, they placed the collection on my credit report. Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) the collection agency doesnt have the authority to furnish an account to a consumer reporting agencies without having provided any and all disclosures which is required law and Absolute Credit LLC is in clear violation. 

For this reason, I am requesting debt validation, the purchase agreement between the original creditor and your company and lastly please provide proof that your company is licensed and bonded. Please cease all emails, calls and other forms of communications unless you can provide this information in full.
Product: Bank account or service

I had found a bunch of fraud on my XXXX checking accounts with Chase bank, and called and reported it. On the XXXX account ending in XXXX they found in my favor completely, on XXXX/XXXX/15 I realized that they have n't done anything on my other account, so I called and reported it again, this time on just the XXXX account. I received an email that they need more information, and called immediately, then I got a letter that they had found against me and would be taking the money back out of my accounts. So I called and enquired what they did, and I was told that they did n't actually investigate anything but they said since I did n't report it in a timely manner ( which I had according to law, and according to law I can not be held liable for fraud over {$100.00} to a debit or checking account credit card ) and therefore since I had access to the account the entirety of the time, they refused. So of course I flipped my lid because that was just wrong and the girl told me she would put it up for re-investigation and send me their files and then I could respond again. Today, they took XXXX and it bounced both my accounts into the negative and it is their fault for not investigating both accounts in the first place, again they found in my favor completely with my other dispute. Furthermore, this dispute should be resolved by actually investigating, I am absolutely appalled at how they handled this, especially since they have been an outstanding bank in other instances, I 've never had a problem with them.
Product: Debt collection

This Collection agency is not licensed to collect debt in the state of Illinois where I reside.

This alleged debt has passed the statute of limitation to collect in Illinois. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2024 Cavalry Portfolio Services XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Subject : Dispute of Alleged Debt and Request for Validation Dear Sir/Madam, I am writing to formally dispute the alleged debt in collection by your agency, Cavalry Portfolio Services , as it appears on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) and related consumer protection laws, I am requesting validation of the debt in question.

I am aware of my rights under the consumer laws, including but not limited to 12 CFR 1006.34 B5, 12 CFR 1006.34 C4i, 12 CFR 1006.34d, and 15 USC 1681-s27A, which require debt collectors to provide certain information upon request.

Please provide the following information to validate the debt : XXXX. A detailed validation of the debt amount, including any fees, interest, or charges that have contributed to the total balance. 

XXXX. A copy of the original purchase agreement between Cavalry Portfolio Services and the original creditor, XXXX. 

XXXX. Proof that Cavalry Portfolio Services is licensed and bonded in the state of Illinois, where I reside. 

Furthermore, I am formally revoking any consent for you to communicate with me via email, text messages, or phone calls regarding this alleged debt. All future communications must be in writing and sent to the address provided in this letter.

Please note that I dispute owing any debt to Cavalry Portfolio Services or any affiliated entity. Until proper validation of the debt is provided as requested, I expect all collection efforts to cease immediately.

I am requesting that you provide the requested documentation within 30 days from the date of this letter. Failure to do so will result in further action on my part to protect my rights under the law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This was put on my credit report there is a social security number on my credit report that doesn't belong to me. I don't know if this SS # was used to open this account XXXX XXXX XXXX XXXX XXXX, GA XXXX this debt was open in XX/XX/10 I wish to dispute this debt.
Product: Credit reporting

( 1 ) I filed a dispute on or about XXXX XXXX with TransUnion Credit Company re : XXXX XXXX XXXX auto loan ( # XXXX ). The account first became delinquent on or about XXXX XXXX and led to a repossession on XXXX and is supported by the original credit report they provided to me. I requested the removal of this item from my credit report as the account has now met the 7 year requirement to date, starting from the initial missed payment that led to the delinquency. Per their own info provided, indicated the account was 120 days past due up to XXXX, which confirms the account was first delinquent on or about XXXX of XXXX. Upon completion of their investigation they provided an updated report with the past due info removed which is not an act of good faith on their part, thus refusing to delete the item. They have also falsely claimed I made a last payment on XXXX/XXXX/XXXX. I made no such payment. I have requested that proof is provided that I did such, the request have not been honored to date. The burden of proof is with the creditor/bureaus to confirm and prove what they are reporting. In support, I was again informed by XXXX that " Information is generally removed seven years from the initial missed payment that led to to the delinquency, and this account has met this criteria. Please see attached pages from TransUnion credit report and docs from XXXX credit in support. Therefore, this item should be deleted from my credit profile immediately. 

( 2 ) TransUnion is not cooperating in the removal of tax lien that was originally filed on XXXX and was subsequently paid/released on XXXX. To date, it is now more than 7 years since originally filed, paid/released. Again, in support XXXX Credit removed this same item, stating that " Paid tax liens may remain for up to seven years from the filing date and unpaid for up to 10 years. It did not state the 7 year clock to remove starts at the release date. Therefore, in keeping with the rules of the FCRA, the item should be deleted from my credit profile. See supporting attached docs from XXXX Credit.
Product: Debt collection

I am a victim of identity theft and I discovered that a fraudulent account that was permanently removed and blocked has reappeared on my report as a collection as well as fraudulent inquiries. I would like these items to be permanently removed and blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Employer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX OF XXXX XXXX XXXX XXXX  XXXX Addresses : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, WI XXXX Public Records : XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX CO XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecon : XXXX XXXX XXXX XXXXXXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, WI XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Inquiry : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX Addresses XXXX XXXXXXXX XXXX  XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Reocords : XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collectons : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 under 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 Lam demanding the deletion of the accounts listed IMMEDIATELY! 
Identity Theft Report Attached
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason for immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have go into the hands of the wrong person.