23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Long story short, I'm a XXXX year old New to debt and I talked to two representatives in one day who told me I owe two different things! I was trying to understand why my amounts changed after making my third payment today & why one representative is telling me I owe one thing while the other is telling my I owe another. I get on the phone with the manager for her to be rude as XXXX from the moment she picked up. I understand " this isn't a customer service '' gig but at the same time, 1. I'm not going to keep paying money to people who obviously don't know anything. 2. If I'm trying to understand what's going on, and you're going to act like it's killing you to explain to me, the debt will never be paid. Why would I pay something and at this point I don't even know if it's legit. I'm asking the lady okay what will happen if I don't pay so I can understand their process and she goes " well you either pay or see what happens '' like XXXX kind of XXXX is that ... what's supposed to happen? Not only that, the manager didn't even give me her name, when I asked to speak to someone above her she goes " you won't be speaking to anyone else. I'm the only you're going to be talking to '' and you aren't getting paid either. I'm trying to be grown enough to get this XXXX figured out but she will not talk to me like I'm below her.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Amount of Debt : {$XXXX} Date of Service : Unknown Provider of Service : XXXX XXXX XXXX XXXX XXXX Dear Medicredit ( Collection Agency ), I received a bill from you on XX/XX/2023 and as allowed under the Fair Credit Debt Collection Practices Act ( FDCPA ). I am requesting that you allow me to validate the alleged debt. Additionally, I am allowed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to protect my privacy and medical records from XXXX  parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX or any of its affiliates to release my medical information to a XXXX  party. I am aware that the XXXX does allow for limited information about me, but anything more is only to be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and XXXX authorization. Please provide breakdown of fees including any collection charges and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Product: Checking or savings account

For many years I had an account with Washington Mutual and was rewarded by the bank with a free checking account and safety deposit box. Since this bank was taken over by Chase Bank I lost the key to the box in the process of moving. Now it seems that Chase Bank cant find the box. Unfortunately I had a large amount of jewelry and stock certificates in the box. I last accessed the box about 4 years ago when I put additional items in the box. After that time I moved and have gone through everything that was packed. A few boxes were missing. 

I asked Chase if they could check one of my old statements from Washington Mutual as it box was listed on my statements. They can only go back 7 years which was after they took over WAMU in 2008 Do I have any Recourse? i was told that the old sign in cards had bee replaced with an electronic database. They do not have many safety deposit boxes that were the smallest size and if one has no key and no nameitshould arouse some suspicion. 

Thank you for any help or suggestions. Can I hire some legal advice? 

XXXX! o XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a debt collection letter from diversified Adjustment, Services on behalf of XXXX XXXX for {$2600.00}. I immediately called XXXX XXXX, as the collection agency was closed. I was informed that I had opened three lines of service at one of their wireless stores almost 200 miles away from where I lived. They said this took place on XX/XX/XXXX. This was the first letter I had ever received and first knowledge of this account. They said in order to open an account in store I would have had to show my ID as well as give my social security no. This was NOT ME. I closed my account with XXXX XXXX in XXXX of XXXX. I have since been with XXXX and now XXXX with the same phone number as I had with XXXX XXXX. I feel that perhaps the customer service person at XXXX XXXX helped someone commit fraud or did not properly check identification as there are no other suspicious activities on my credit reports. I have, this date, XX/XX/XXXX, frozen all three credit agencies as I am afraid of having my identity stolen again and that there could be other accounts out there in my name that I am not aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX  days later I have not received a response yet. I feel like I'm 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 30days gives a reason to immediately remove those items from my credit report it has been over 30 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I contacted the courthouse asking do the report bankruptcies to the credit bureaus and I got multiple communication that stating, They do not report any bankruptcies to anyone or any agencies. So, if thats the case, how did the credit bureaus edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode living is obtained through personal interviews, with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumers reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given right under USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

According to : 15 U.S.C 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX, IL XX/XX/2021 XXXX XXXX Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We paid Capital One {$14000.00} and {$500.00} on XXXX XXXX, XXXX. The payments were posted and removed from our XXXX XXXX account on the XXXX, the next day. We also received an email from Capital One stating that the payment was posted. However, Capital One will not authorize us to use the credit available from these payments for an additional week. 

I called Capital One today, XXXX XXXX, and they told me that state law permitted them to not release the available credit for up to a week to ensure funds received ; however, they acknowledged that they already received the funds. This does n't seem right, and I ca n't find anything in my credit agreement that would permit them to do this. 

To be clear, they took the payment money from my account already and acknowledged that they received it. So why not release my available credit as promised on my cardholder agreement?
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX, XXXX & TransUnion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, I sent Experian and XXXX dispute letters via certified mail, requesting the organization to update my personal information to reflect the accurate spelling of my name, address, telephone number, and employment. I also requested the removal of any duplicate personal information. In addition to my initial request, I asked for the XXXX organizations to send an updated copy of my credit report reflecting the changes I requested. As a result, Experian and XXXX ignored my request. They did not make the changes to my credit report even after sending a copy of my driver 's license, which displays my current address and correct spelling of my name. Also, they failed to send a copy of my credit report after I requested. 

Certified Mail Receipt number : XXXX
Product: Debt collection

8th attempt to fix this situation, 2nd time through cfpb. As noted in a previous complaint report. I am a victim of identity theft. Accessible police reports along with fraud prevention and frozen accounts. 
Companies like XXXX XXXX admitted to my personal information being leaked and misused, they also paid for their mistake. XXXX acknowledges that my personal information was exposed and access by illegal personnel, they have paid dues. 
After being pursued on several different platforms, making it obvious that any account associated with me had been a case of stolen identity. This is the reason why neither XXXX XXXXXXXX XXXX XXXX has been able to provide handwritten signatures or history of payments. After being informed of this identity crisis, you now fall heavily under 18 U.S. Code 1028.
Product: Credit reporting or other personal consumer reports

This is absolute hogwash. I called capital one on XX/XX/XXXX after I made a payment for this account in full, to find out that they could not only cancel my payment but they could not cancel my payment because they had closed my account. Please see attached documents.
Product: Credit card or prepaid card

Upon deciding to purchase 2 XXXX XXXXXXXX XXXX XXXX XXXX on XXXX XXXX XXXX, I called VENMO ( Merchant ) and XXXX XXXX  ( CC issuer ) to confirm I had protection in the event something were to go wrong with the transaction, XXXX and VENNO both confirmed no problem, " we have you covered '' via the dispute process. Therefore, I proceeded with the purchase and paid the seller via VENMO using my XXXX card. Payment 1 for bench 1 was paid on XX/XX/XXXX, {$270.00} ( {$280.00} with fees ) and payment 2 for XXXX  2 on XX/XX/XXXX, {$290.00} ( {$300.00} with fees ). After XXXX XXXX ( seller ) received payments, he did not send the XXXX  and updated on XXXX  messenger that he received my payments but, unfortunately, could not afford to ship due to personal financial constraints. I immediately contacted XXXX, XXXX, and, VENMO. Subsequently, I got the money back but a few days later was charged again. All of these companies assured me that I had full protection with this transaction but have turned their backs on me responding " there's nothing we can do. '' I'm an XXXX  card holder with XXXX, spending several thousands of dollars using this card and now getting no help from them whatsoever. In fact, the " office of the president '' called me 2 weeks ago asking that I return the call. I have tried no less than 10 times to reach XXXX at the " office of the president '' and can not reach her. 2 weeks after the fact, she called my mobile number at XXXX at night and I missed the call. There is no consistency as to when XXXX XXXX return calls and I'm never able to reach a live person. The CSRs at the general number as well as the dispute department will not give out any information other than XXXX ( XXXX ) will call you shortly. 2 months after the fact from the original payment and the seller continues to hold my money and advertise on XXXX and use VENMO. After I threatened the seller telling him to return my money, he sent me 2 broken XXXX that need to go into the garbage. Long story short, XXXX assured me that I had full protection using VENMO as the merchant and now they are doing nothing to recover my money after receiving 2 broken XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told Experian to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 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. I have included copies of my credit report showing the inaccuracies that I need updated and removed from my credit report need updated to paid as agreed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Balance {$170.00} Date of last activity XXXX XXXX on all credit reports and last payment dates FCRA violations XXXX from my credit report.
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, as XXXX 's inaction violates federal law and my rights as a consumer. 
The account that is inaccurate is : XXXX  XXXX XXXX XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the payment history. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE UPDATED IMMEDIATELY IN THE PAYMENT HISTORY TO PAID AS AGREED, PAID ON TIME, NEVER LATE. AFTER THIS INVESTIGATION, UPDATE THESE ACCOUNTS ON MY CONSUMER REPORT TO PAID AS AGREED, PAID ON TIME, NEVER LATE ( XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO YOUR COMPNAY I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING INCONSITANCIES IN THE DATE OF LAST ACTIVITIY. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 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 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 : XXXXXXXX XXXX XXXX XXXX XXXX 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 theft and fraud.