23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020, PenFed Credit Union deactivated my credit card " in order to protect against possible unauthorized use. '' They had no basis for suspecting " possible fraudulent activity. '' The charges they identified were well within the parameters of the way I have used the card for years. I was unable to resolve the problem over the telephone, because when I finally got through to an agent, she had what I eventually came to see as an endless number of security verification questions, which led to the conclusion that she had no intention of helping me. It was also not possible to resolve the problem online. 

The " protection '' PenFed referred to was to protect them, not me the customer. And this " protection '' came with complete disregard for the convenience of a good customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to get this issue resolved. 


I am a victim of identity theft. Accounts opened fradualently XXXX XXXX XXXX ACCOUNT NUMBER XXXX, CURRENT BALANCE IS XXXX. 

XXXX XXXX ACCOUNT NUMBER XXXX, dated opened XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT XXXX DATE OPENED XX/XX/XXXX CURRENT BALANCE XXXX ALSO THERE ARE CREDIT INQURIES THAT NEED TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ALL ACCOUNTS I LISTED
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXXder 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card

I applied for a new PayPal Mastercard and received my first statement with a balance of {$690.00}. The payment due date was XX/XX/2025 and I paid the balance in full. The transaction was debited from my checking account through ACH. Upon reviewing my account they did not make this payment available. When speaking to numerous customer service representatives they indicated since this is my first payment they are holding it for 14 business days which equates to approximately 16 days. When inquiring where it specifies they referred me to their terms and conditions. The customer support representatives had a very hard time finding this information and this shows how difficult it will be for a customer to find. When transferred to supervisor all they were able to point out to me was that there could be a delay in my payment becoming available. It does not specify any amount of days this can be held and it seems to take advantage of the client. The supervisor indicated that they can hold my payment up to 21 days however no where in the terms and agreement does it indicate this. No one was able to assist in trying to release these funds sooner after numerous attempts. I feel I am being penalized and being treated unfairly since I paid the full balance. I have numerous accounts with synchrony and never had I had a returned payment. I feel they are taking advantage of their clients money and not offering anything in return for holding the funds this long.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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

I have been trying to communicate with XXXX and do not seem to be getting any clear answers as to why they are showing up and reporting derogatory information about me on my Early Warning Systems report. I am well aware that EWS was started by big banks, for big banks, and is funded by big banks, but FCRA rules do apply. This is my XXXX request for them to proove the account belongs to me by providing me something with my signautre on it or delete it. 

I do n't know why I must spend so many countless hours trying to correct this companies mistake, this is causing me a lot of stress. Since I can not get an answer from XXXX maybe Early Warning Systems can investigate and show that it conducted a proper investigation. Show me anything with my signature on it. I am holding EWS responsible since hey publish the information, which is inaccurate and does not belong to me since I ca n't get anywhere with XXXX. 

I am a XXXX XXXX citizen per attached. This specific mark is preventing me from obtaining in home care that I need after my car accident. 

Please do not call and communicate only by way of the CFPB portal or mail only.
Product: Debt collection

XX/XX/year> XXXX Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim that I owe you money and requesting validation. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. This is a request for proper validation, not mere verification of my address or any other superficial details, as mandated by the above-named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under state and federal statutes. Debt validation includes the following : Who was the original creditor on this account, and what was the account number? What was the original amount owed? Please provide a complete payment history, starting with the original creditor. Please provide documentation that demonstrates I am legally obligated to pay this debt. What was the original date of delinquency for this account? Provide the agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your receipt via certified mail, or a complete removal in writing of your claim from my credit profile. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also reserve my right to take private civil action against your company to recover damages. I hereby notify you that you do not have my consent to communicate with me through any means. Furthermore, I did not authorize you to obtain or possess my personal and private information. Any such actions constitute aggravated identity theft. Additionally, I did not authorize you to report my information or name to any consumer reporting agencies. Failure to comply with these directives will result in legal action. In addition, the Fair Credit Reporting Act states that during the investigation, you must indicate to the bureau that the account is under dispute and cease reporting this information to the Credit Reporting Agency until full validation has been completed. A copy of this request for validation has been sent to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrently with your own.
Product: Debt collection

the attorney from XXXX XXXX under Midland Credit send me a letter that I owe the debt I already dispute snd included my credit report which is I dont see the account on my credit report, they also send me form that I need to go to the court, I feel threatened someone show up to the house XXXX dont own. And thats not my debt. the amount {$660.00} from XXXX XXXX.
Product: Debt collection

I am a victim of identity theft and multiple data breaches and I have no knowledge of this account. I contacted this company in the beginning of XXXX of last year. On XX/XX/2024, I received an email from XXXX XXXX @ XXXX acknowledging my concerns about this account and that a dispute would be created with the creditor. The email stated to allow 30 days for them to get back with me via email of US mail. I never received an email nor received anything by mail from this company. Several attempts have been made to dispute this account and I have failed in getting any help from this company. I request that this company properly investigate this debt and send me all supporting documents. To be honestly clear I am unsure what type of debt this is which has also been unclear when trying to reach someone. I have already filed a police report and submitted an FTC report.
Product: Credit reporting or other personal consumer reports

Dear XXXX, this is a self-attestation that I am victim of XXXX  XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts 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

See attached documents detailing a reinsertion of previously deleted items which is a BLATANT violation of my consumer rights. This item was originally reported and was removed due to inaccurate reporting. This same item has now been reinserted onto my credit profile by XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. This also violates my consumer rights under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court proceedings such that of Dixon-Rollins v. Experian Information Solutions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX ATTN : Consumer Financial Protection Bureau Subject : Complaint against Experian, XXXX, and XXXX for Continuously Erroneous Credit Reporting Dear Sir/Madam, I am writing to file a formal complaint against Experian, XXXX, and XXXX regarding their continuous and reckless erroneous reporting on my credit report. Despite numerous complaints submitted throughout this year, all of which have been ignored, their negligent actions have caused significant financial and emotional distress. 

My personal information is as follows : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Gender : XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX I hereby demand that Experian, XXXX, and XXXX take immediate action to update and correct my credit report as follows : Removal of all addresses with which I am not associated : XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX Removal of the following collection accounts, as the bureaus have failed to provide their method of verification for these accounts, and I confirm that they are not mine : XXXXXXXX XXXX # XXXX ( No creditor listed ) Account # XXXX ) XXXX XXXX # XXXX I want to stress that these inaccuracies have seriously damaged my creditworthiness and caused considerable hardship in obtaining loans, credit cards, and other financial opportunities. The bureaus ' repeated refusal to address these issues shows a blatant disregard for my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA, I am entitled to have accurate and up-to-date information on my credit report, which is essential for my financial well-being. Failure to comply with these rights is a direct violation, and I will be seeking monetary damages of XXXX per violation. 

I trust that the CFPB will thoroughly investigate this matter and ensure that Experian, XXXX, and XXXX correct their reporting errors promptly. I expect a timely response from the CFPB regarding the steps taken to rectify this situation. 
Please find attached relevant documents supporting my claim, including previous complaint communications with the credit bureaus. 
Thank you for your attention to this matter, and I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, aXXXX XXXX XXXX  inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : 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
Product: Debt collection

Recovery Solutions Group , LLC Is a company I have never contracted with. now they are stating I owe them money which is a lie I have never contracted with them so there is no money owed to them
Product: Debt collection

I have been getting emails from Collections from various debt collectors for the past several months. Usually I delete as scam emails but occasionally I ask them to validate the debt, which they never do. 
Tonight I received an email from ACE collections and it says I have to appear in court on XX/XX/XXXX. The email is contains no contact info for court or collections department. It does however contain a link to appear in court via XXXX XXXX. 
I have pasted the email below to better illustrate : " XXXX XXXX XXXXs : ( XXXX XXXX XXXX ) From : XXXX Dear XXXX, Phone Number : Despite our previous reminders, we still have not received any payment or answer from you. Therefore, we regret to inform you that we are downloading your case file and will conduct virtual court appearances on XX/XX/XXXX, using XXXXXXXX XXXX and telephone conferencing. The meeting invitation or court appearance notification will tell you how your appearance has been scheduled. If you are uncertain, contact the court, directly. 

IMPORTANT : You are prohibited from recording video or audio, or taking photos or screenshots during a virtual proceeding. 
( See XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Appear Using XXXX XXXX OR Appear by Telephone ( not using the XXXXXXXX XXXX app ) If the court scheduled a telephone appearance for the case, the court will call you on the date and time of the hearing. Be sure your phone is near you. 

If you have questions before the court date, Email us back so that our attorney can help you or send us the payment today to hold this case file ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX Balance : {$9700.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Reporting debt that was never given guidance on insurance co-pay vs patient responsibility up front.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The account at XXXX XXXX XXXX in XXXX Texas is paid in full and I have the cancelled check. The collection agency still reports the original amount due even after I disputed with the credit bureaus.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit union regarding multiple overdraft fees I have incurred. Despite having sufficant funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against NFCU for similar practices, where transactions settled with insuffucant balances despite initally avaible funds. I believe these practices are unfail and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my consumer report from creditors who have not offered me credit. I DO NOT have a credit card from these creditors. By law, if a creditor checks your consumer report and DO NOT offer you credit, those inquiries are not supposed to be on your consumer report. 

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 : A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ;
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a concerning discrepancy in the reporting of my credit history by Mercedes Benz Financial Services ( MBFS ) to XXXX, one of the major credit reporting agencies. My account number with MBFS is XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681, the legislative intent emphasizes the necessity for accurate and fair credit reporting to ensure consumers are not unfairly penalized. It is evident that MBFS 's reporting of a late payment on my car loan does not align with the accurate reporting on my XXXX account. 

Per subsection b4 of 15 U.S. Code 1666, which pertains to the correction of billing errors, MBFS is obligated to ensure the accuracy of the information it reports. The discrepancy in reporting the late payment contradicts the accurate information present on my other credit agency reports, indicating a potential error or misrepresentation by MBFS. 

Furthermore, in accordance with 15 U.S. Code 6802, MBFS is required to provide consumers with the option to opt out of certain information reporting, including late payments on credit reports. However, I was never provided with an opt-out form by MBFS, as mandated by subsection b of 15 U.S. Code 6802. This failure to provide an opt-out option infringes upon my rights as a consumer to control the dissemination of personal information and to operate fairly in commerce. 

The inaccurate reporting of this late payment has adversely affected my ability to engage in various financial transactions, including obtaining mortgages and extensions of credit lines. This discrepancy has caused significant distress and constraint for myself and my family, impeding our ability to participate fully and fairly in the economic marketplace. 

In light of these violations and the resulting adverse effects on my financial well-being, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in MBFS 's reporting. I also request that MBFS be held accountable for their failure to provide me with the necessary opt-out information as required by law. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate credit reporting practices are upheld. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am not really sure what happened other than I am being told BOFA has reported an account as fraud, I don't have any knowledge of what they're referring to so I filed a dispute with XXXX XXXX as they're the ones provided information that impacted the bank in denying my request to open a checking account with XXXX XXXX and XXXX XXXX. I was made aware of the claim when I attempted to open an account with XXXX XXXX XXXX and was told the account had restrictions and XXXX XXXX stated the same. I sent a dispute on XXXX because I honestly have no idea what this is. A response was returned from BOFA stating it was verified as accurate however NO documentation was provided supporting the validity of the claim. No amount, nothing! Just a side note I am not quite sure when this took place however I have been a victim of identity theft on more than one occasion an as recent as XX/XX/2020 someone file a fraudulent unemployment claim while i was clearly working that I had to dispute and filed a complaint with the FTC. I am getting ready to send a complaint with XXXX as I just got an email with an invoice from XXXX stating thanks for a payment and I HAVEN'T authorize ANY freakin XXXX payment this is getting so fustrating!! So I am escalating this matter with the hope that you guys can resolve this issue for me. Thanks!