23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Experian is reporting an account from XXXXXXXX XXXX ending in XXXX. This account and its balance do not belong to me and are the result of identity theft and fraud. I have contacted them numerous times to request its removal, but they have violated the allowable timeline and regulations for the dispute process. 

This account and balance need to be completely removed from my credit report. They have previously removed it, only to add it back again multiple times, violating the allowable time period to resolve this issue. 

Please find the removal letter attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on  pursuing litigation in this matter to enforce my rights under the FCRA I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 I demand the  following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX  XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account Creditor Inquiry Date XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


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

XXXX  & Equifax are reporting inaccurate information. The account XXXX XXXX XXXX   XXXX was included in my Chapter XXXX Bankruptcy filed on XX/XX/XXXX. The account was previously reporting correctly but for some reason on XX/XX/XXXX They updated this account and now it appears as if i just missed a payment in XX/XX/XXXX. I've attached a screenshot of the report and highlighted the information which is causing this issue. I'd like this to be changed back to how it was, the account should not have any updates since the bankruptcy on XX/XX/XXXX. This is now making it appear as if i've missed a payment recently and is reducing my FICO score and affecting my ability to obtain credit. I've already tried disputing this information but it seems the credit bureaus don't even read my dispute and just simply have an automated machine do the work which does not understand the issue. This should be illegal as it allows credit reporting companies to get away with reporting inaccurate information affecting our credit approvals and interest rates.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card or prepaid card

Beginning in late XX/XX/XXXX through XX/XX/XXXX, Chase XXXX Card and Chase XXXX Card. My previous employer had agreed and had been paying my cards for over two years to cover allowances and company expenditures. We got into altercation in late XX/XX/XXXX, and I quit. He in turn started reversing the charges by lying to the bank stating he never authorized. Even. The banker was aware of the authorization. Once I noticed the first charge was reversed back I immediately contacted chase and informed them of the situation and that I disputed the reversal. I never received any communication back from Chase other than the notice regarding the reversal. Within days, both Chase Card accounts were closed and removed from my online access. I hired an attorney an requested Chase send need my statements from XX/XX/XXXX-XX/XX/XXXX, since I could not access. They still have not provided. The employers ex-wife is in upper management in Chase and I feel she may have something to do with these actions and I would like it investigated.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent and individual money, totaling {$730.00} to purchase an item using my bank USAA through XXXX. The individual never sent the item and never refunded the money. Multiple attempts were made but none resolved with that individual. I went through USAA and XXXX to dispute, but was told it could not be resolved due to XXXX being only a transfer service. I'm not sure I understand why no protection is given to the sender. In modern times you have insurance for everything why is this any different? 

Criminals are given a free pass using this system. As a bank ( USAA ) and a transfer company ( XXXX ) you enable it. Make the effort to incorporate some type of fraud protection or paste a bright bold banner on your app stating " send at your own risk ''.
Product: Vehicle loan or lease

Hi there my name is XXXX XXXX, I have a Lease through ally Financial Back when Covid 19 hit I gotten a phone call from Ally to see if i would like to extent my lease payments for 180 days. of course at the time i had agreed to this because of the financial hardship I incurred during this time.

6 months gone by I never got one phone call from them I went to make a payment when my hardship was up and was told that my truck was in for repossession that if I did not make a payment at that point I would be without a vehicle. At this point my payment was extremely late and had to make a XXXX payment to get it out of repo status. 
I have several late payments recorded on my account because of their lack of communication and I am very frustrated because I had a juristic decrease in my credit score. I have since made every payment on time but still shows that I am behind on payments and all will not make it right. I would like help on this situation to get my credit back on track because of their issue.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian are all reporting my bankruptcy on my credit reports. Per uscourts.gov, bankruptcy courts do not report to any credit reporting agency. I have not provided any permissible purpose written, unwritten, verbal and/or non-verbal consent to any of the credit reporting agencies to report the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies XXXX XXXX XXXX XXXX, TransUnion ) and the Creditors ( Bankruptcy Chapter XXXX ( 2 ), XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Debt collection

On XX/XX/XXXX, a fraudulent charge was made against my XXXX account by a person in XXXX, XXXX. I first learned of this charge on XX/XX/XXXX when XXXX sent an email threatening to refer me to collections if I did not pay. 

After repeated back-and-forth over email and phone, XXXX recognized that the charge was fraudulent ( after I emailed their general counsel and threatened legal action ). They apologized, made a note in the account, and promised not to refer me to collections. 

On XX/XX/XXXX, I received an email from Cedars Business Services attempting to collect this debt on behalf of XXXX ( which has since ceased operations in the US ). 

I provided Cedars with the email correspondence from XXXX with XXXX. Although the amount and transaction date match the purported debt that Cedars is attempting to collect, Cedars tells me that the account number is different and that they will need to investigate further. 

I am hoping that you will be able to help me have Cedars drop the current collection effort. Thanks in advance for anything you can do. I'm attaching my correspondence with XXXX from XXXX and with the Cedars agent from yesterday.
Product: Debt collection

On XX/XX/XXXX, while applying for a mortgage, my lender made me aware of a major derogatory account on my credit reports from XXXX and XXXX. XXXX XXXX XXXX subsidiary XXXX was attempting to collect a debt of {$750.00} from me through XXXX XXXX XXXX ( XXXX, FL ) collection agency. I had never had a XXXX account. 

I opened disputes with XXXX and XXXX on XX/XX/XXXX both of which were resolved in my favor. The item was deleted from XXXX report on XX/XX/XXXX and XXXXXXXX XXXX on XX/XX/XXXX. I have attached reports for both disputes. ( I should note that the presence of this item on my credit report had a negative impact on the interest rate on the mortgage for which I was approved ). 

While going through my credit report again on XX/XX/XXXX I became aware of another debt collection claim against me from XXXX which had been filed on XX/XX/XXXX. At this time XXXX hired Credence Resource Management ( XXXX, TX ) as the collection agency. I immediately filed a new dispute. 

On XX/XX/XXXX I received a Fraud Packet from Credence to my actual home address which they were apparently able to obtain through the dispute I opened with XXXX. The gist of the letter was that I had filed a fraud and identity theft claim and that in order to make this claim I was required to send Credence an affidavit, valid US government issued ID and a police report. Of course, I had not made a claim of identity theft, but mistaken identity. The situation was more like debt tagging but with the creditor rather than the collector undertaking the debt tagging by hiring successive collection agencies to refile the false claim. 

On XX/XX/XXXX my XXXX score was decreased by XXXX points and my credit rating was downgraded from very good to good. There were no intervening alerts in my credit report to explain the sudden and substantial decrease in my XXXX score. 

I should note that only XXXX acknowledged Credence Resource Management Cos effort to flag me as a credit risk. I continue to be in touch with XXXX to resolve the current dispute which is little more than a zombie version of the claim I discovered in XXXX. 

It is very important that this matter be resolved once and for all and that XXXX in particular be held accountable for their actions. It is an undue burden for consumers such as myself who are working hard and paying their bills on time to have to constantly be on guard for false debt claims from large corporations whose incompetence causes real world consequences for consumers.
Product: Checking or savings account

Webster bank sent us a XXXX form late posted XX/XX/XXXX with a income XXXX XXXX XXXX {$830.00}, that I don't recognized, on XXXX bank statements does not show that figure, that we believe is an error from webster bank that may cause a problem with the IRS because it wasn't reported in this year filing because we don't get taxable interest. We need an investigation. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank u.
Product: Vehicle loan or lease

Never been behind on a car payment since XX/XX/2019, have actually been ahead atleast a month or more. But when I got cut over half of my hours at work due to the Corona virus, I called Westlake financial and ask them to please let me make partial payments or if my payments could be lowered. They refused and now are harassing me several times a day on the phone, and sent a negative report to my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX should not be reporting that I am ( 30-60 )  days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with the CFPB and their absolute failure to investigate my complaint against Experian and Experian 's failure to properly address my original complaint. Apparently all you need to do to address a complaint is to send the CFPB a bunch of XXXX  and they automatically consider the complaint addressed whether the consumer agrees or not. What kind of XXXX  government entity is the CFPB? They have not protected me one bit!
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit. Despite reporting transaction discrepancies, both Zelle and my financial institution failed to investigate adequately, claiming it was impossible to recover funds or track transactions. The CFPBs findings highlight Zelles failure to protect consumers and its allowance of repeat offenders to exploit the platform. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XX/XX/2025 Innovis Consumer Assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Immediate Access to My Credit Report Dear Innovis , This letter serves as a formal demand for immediate access to my credit report, as mandated under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Despite multiple attempts to resolve this issue, I have been consistently denied access to my credit report through your online platform, which is a clear violation of my rights under federal law.

The FCRA explicitly requires that consumers be granted access to their credit reports, including one free annual report through XXXX, as well as under specific circumstances such as identity theft, unemployment, or adverse actions based on credit information. Your continued failure to comply with this legal obligation is unacceptable.

As of today, I am officially filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory authorities regarding your failure to provide access to my credit report. I demand that you take immediate action to resolve this matter and grant me full access to my credit report without further delay.

Failure to comply with this demand will leave me with no choice but to pursue all available legal remedies to protect my rights and ensure compliance with the FCRA.

I expect confirmation of this demand and resolution of the issue within 30 days, as required by law. For any additional information, you may contact me in the details provided above. 

Sincerely, XXXX XXXX I should only have one address on my consumer report
Product: Prepaid card

A unfamiliar transaction showed in my transaction history recently from a company called XXXX XXXX XXXX XXXX I have no knowledge of this business. Multiple Unauthorized transactions where made to this business I have no knowledge of. Contacted cashapp to dispute and had no response. {$1900.00} was stolen from my account.
Product: Checking or savings account

Cash app double charged my account causing it to be overdrawn by {$99.00} and would not fix nor refund my money. This happend multiple times.
Product: Debt collection

Received unsolicited phone calls for debt collection company on several different occasions multiple times a day for person that was not me ( Looking for a " XXXX XXXX '' ). They left no information or voicemail. They would call up to 4-5 times per day. Ultimately I called them twice to have my name removed from the list however I work nights and these phone calls were harassing in nature without any information left to identify the collar or reason for phone call in voicemail.
Product: Credit card or prepaid card

I have been Capitol one Credit card holder for 5 years. 
The last couple of month i was not using the card as i was in the process of buying a property and maintained XXXX balance. 
Capital one sent a letter to me to collect more information but i did not received the mail and its no notification when i login to my account. Capitol One closed the account XX/XX/2021 became i was not calling them. 
The card has XXXX balance and i was not using it and Capitol One cant explain what info they were needed as the card been not used. 
I collected XXXX bonus miles over the years and Capitol One taking it away because they closed the account. 
I called the supervisor said, if i open an account again, they will NOT honor those points. 
They admit that that i earned those points but they closed my account. 
Capitol One need to reimburse me for my points what has {$770.00} value.
Product: Credit reporting or other personal consumer reports

Inquiries was made without my permission. Showed up on my Equifax Credit Report XX/XX/2023 XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX and to all 3 credit agencies. XXXX removed the account but XXXX and XXXX is still reporting false information of a debt that do not belong to me. This debt was created as a result of identity theft. I have submitted to them identity theft forms and they still have not remove this account from my credit profile. I would like your help in getting this matter resolved. Please fine this company or have them remove this account from my credit file.
Product: Credit reporting or other personal consumer reports

In XXXX and XXXX of XXXX I reached out to Transunion to try to get them to correct incorrect information listed on my report. I have all kinds of incorrect personal information including a XXXX phone numbers that don't belong to me. There are also accounts on there that don't belong to me and inquiries that I did not authorize. Transunion did not update my reports. They failed to correct even the personal information that i told them was wrong. 

According to XXXXXXXX XXXX XXXX  XXXX, Transunion is required to ensure MAXIMUM POSSIBLE ACCURACY. These inaccurate accounts and information violate these laws : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX b ). 

I have suffered a tremendous amount of stress, anguish, and humiliation as a result of Transunion 's negligence and have been denied access to opportunities that would better myself and my family as a direct result of Transunion 's willful disregard for consumer law and the protection of my privacy.
Product: Debt collection

I am having a problem with a collection agency trying to collect on an account which has been disputed by myself repeatedly, and which the company refuses to address. I have asked for documentation under FDCPA guidelines and verification in compliance with the Fair Credit Reporting Act. Documentation in tangible format, which is not a bill from a collection agency. 
Numerous times I have asked for them to assist me and have received nothing by way of communications. 

I have no knowledge of the debt as I never took part in any medical rehabilitation services. It is my belief that the company is trying to collect a fraudulent medical debt attributed to me in error. Communication attempts on my behalf have been met with a stonewall approach, where the debt is not verified/validated and no answers are forthcoming. 

I am asking the CFPB to help mediate this matter with the collection agency as I feel that not only is this an attempt to collect a debt not owed, but flagrant abuse of my rights under the FCCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Coastal Credit ( inquiry XX/XX/XXXX ), XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX, and XXXX. I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.
Product: Debt collection

years ago I think XXXX XXXX XXXX  and I had issues over service we agreed to discontinue services no fees owed. Years Later XXXX Mountain Run bought this OLD claim that is too old and age to collect on and started a new collection date. I have filed various complaints and they will not work with me. I refuse to pay for a claim I don't owe! 

This company should not be allowed to bully people into paying for an aged claim that they bought ... ...
Product: Debt collection

I sent written statements to company that Im not responsible for debt.. Im made complaints XXXX still have debt owned on my credit report thats not mine.. Its from portfolio recovery.. I made complains to cfpb but XXXX did not remove any debt