23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without court consent and sharing when original houser XXXX XXXX and XXXX has deleted it and TransUnion also received court documents stating to remove the information. 

Dispute Details The closed account referenced above is inaccurately reported as all the reporting balance dates are incorrect. These accounts were not included in a wager plan. You are continuously updating the date of the last activity every single month on these closed accounts. It is clearly obvious that you are prolonging the statute of limitations for these accounts to make them last longer on my consumer report. The date of the last activity is and Im unsure you will change it next month. I am not sure if you have some type of business relationship with these creditors, but I am not happy that you are changing the date every month. this account was put on my credit report on, and you are making this account look newer than what it really is which is false and misleading.

Credit Reporting Act ( FCRA ).

As per 15 USC 1681i, I am entitled to dispute inaccuracies on my credit report and request that you investigate the matter within a reasonable timeframe. I have enclosed copies of relevant documents supporting my claim, including dispute letter. Additionally, under 15 USC 1681c, any negative information on a closed account should not be retained beyond the permissible period, typically seven years from the date of closure. Please ensure that any outdated or incorrect information is removed in compliance with this statute. Furthermore, 18 USC 8 states that any entity misusing or misrepresenting information, including credit reporting agencies, is subject to legal consequences. I trust that your agency adheres to these regulations and will correct the inaccuracies promptly. 

These accounts were not included in a wager plan. TransUnion owes me compensation for sharing incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

Seventh avenue says I charged and recd goods I did not filled out form disputing charge and notified them by phone. They won't do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6100.00}, {$11000.00}, {$4200.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX  and the subsequent response received on XXXX XXXX XXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 


-- CLOSED ACCOUNTS -- XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

XXXXXXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Product: Credit card

I received a XXXX XXXX in the mail on XXXX XX/XX/2023. 

I called chime on XXXX XXXX to.report fraudulent activity. 
They said they closed the account. 

I asked for a record of.transactions. they said they could not provide it to me. 

I asked how the account was opened when my credit record were frozen. They said they could not tell me that information. 

They sent me an email how to request information, but required a police.or.ftc report.
Product: Checking or savings account

I am filing a complaint with the CFPB in regards to Capital Ones failure to deposit my employers direct deposit and any other incoming deposits, Capital one has cited technical issues, which my violate the Electronic Funds Transfer Act ( EFTA ) as it is required to to timely access funds and this raises a huge concern about consumer protection laws, i am requesting your assistance in investigating this matter to ensure my rights are upheld, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Files Tracking # : Initially sent an official Opportunity to cure pertaining to accounts reporting on my account without permission. In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my privacy and confidentiality under 15 USC 1681. XXXX  XXXX, Has violated my rights. XXXX Has Violated my rights. XXXX XXXX, has violated my rights. XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX, has violated my rights 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission/ instructions 15 U.S.C 1681C ( a ) ( 5 ) Section States no consumer reporting may make any consumer report containing any of the following items of following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went over my credit report and notice there are late payments reporting with account XXXX XXXX Acct # XXXX which are a violation. According to 15 USC 1666B 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. I have not received any notice stating such for a statement.
Product: Credit card or prepaid card

On XX/XX/2022 my bank sent an electronic transfer to Comenity Bank for my XXXX XXXX in the amount of {$1100.00}. The payment was never applied to my balance. I have filed a missing payment claim and also proved Comenity with the electronic transaction information including the trace and batch numbers. As of today it still has not been applied. Getting a hold of customer service is a joke and no one can give me an update. Messages sent through the on line message center are taking 4-5 days for a response. I am being told it can take 90 days for it to be corrected which is an absolute joke when Ive provided all of the info to track the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A CREDIT REPAIR COMPANY. THIS IS THE ACTUAL CONSUMER XXXX XXXX. I HAVE ALSO SUBMITTED THIS COMPLAINT VIA MAIL WHICH YOU SHOULD BE RECEIVING ANY DAY NOW. I SUBMITTED A SIMILAR COMPLAINT OVER A MONTH AGO WHICH STILL HASN'T BEEN RESPONDED TO. YOU ARE WELL OVER THE TIME LIMIT FOR RESPONDING TO THE COMPLAINT AND THE ITEMS BELOW NEED TO BE REMOVED IMMEDIATELY AS YOU ARE NOT NOT COMPLIANT VIA THE FCRA. STOP DELAYING. AGAIN THIS COMPLAINT IS  DIRECTLY FROM THE CONSUMER AND NOT A CREDIT REPAIR COMPANY. YOU WILL BE SUED BY MY ATTORNEY IF YOU DELAY THIS AND DON'T REMOVE THEM ITEMS IMMEDIATELY!!! 


Equifax has a bankruptcy listed on my credit report that was deleted and then added back on. I called the courthouse. They stated that they don't have anything in the system and that they don't report to credit bureaus. They said that a third party does and that I needed to dispute or file a police report which I have. This needs to be removed again permanently. I have retained an attorney. I have also disputed this multiple times. My attorney states that we can sue the credit bureau and win due to all of my documentation and Equifaxs refusal to remove it. Also, all of the bureaus have multiple inquiries on my report that I did not authorize. They are as follows : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX 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 these asap.
Product: Debt collection

Around XX/XX/year>, my co-borrower, XXXX XXXX, arranged a payment arrangement with XXXX and XXXX to pay a debt of {$1800.00} to Discover credit. She settled out of court and paid the dues from XXXX XXXX XXXX in full. This company has failed to notify Discover to clear the amount from XXXX XXXX XXXX ( the person who is writing this statement ) and refuses to get in touch with Discover to clear her name.
Product: Credit reporting or other personal consumer reports

On ( XX/XX/2024 ), I sent an Identity theft letter to ( XXXX, Experian, and XXXX ), and despite more than 30 days passing, I have not received a response nor has ( XXXX, Experian, and XXXX ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on ( XX/XX/2024 ) and an updated FTC identity theft report. According to FCRA, debt collectors must respond to disputes and requests from consumers within 30 days, yet ( XXXX, Experian, and XXXX ) have not made a single call or sent a letter addressing the disputes I've mailed. This blatant disregard for FCRA Section 611 ( A ) ( 1 ) could result in fines of up to {$1000.00} per violation. Failure to provide proof or verification within the required timeframe necessitates the removal of this account from the consumer 's report, as the lack of response indicates an inability to validate or verify the account, a violation of FDCPA Section 809 ( b ). Attached are the letters I sent along with my updated identity theft FTC report.
Product: Money transfer, virtual currency, or money service

PayPal- money taken on Both ends and they have not issued me my refund. Its been weeks XXXX XXXX XXXX : {$1500.00} Date : XX/XX/2023 Ive reached out to seller and called numerous of times. The money is out of sellers account and its just being held
Product: Debt collection

i did not receive material are nothing about this company also i would like them to show me the original contract that i sign from the original creditor also i would like to see the debt assignment also a payment history from the original creditor.also i did sign any contract with this company.this information is totally inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2020, I received an alert from both XXXX and XXXX XXXX that Experian had processed a inquiry from XXXX XXXX  into my credit history yesterday, XX/XX/2020. I have never done any kind of business with XXXX XXXX, so I decided to contact Experian to tell them that this inquiry was not authorized by me. Furthermore, Experian already has an active freeze in place on my credit report, so they shouldn't be responding to such an inquiry in the first place. I was unable to get anyone from Experian on the phone. Their automated telephone system asked me to visit their website to place a fraud alert on my credit report, which I did. I made three attempts to activate a fraud alert using their web form. All three times, I filled out the form completely and accurately, but all three times, all I received was the response, " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' As of right now, my credit report still does not have a fraud alert, and I have absolutely no assurance that the credit freeze in place on my Experian report is doing anything to protect me, since they clearly responded to an inquiry in spite of the freeze. This is absolutely unacceptable, infuriating and illegal. An organization that is responsible for the privacy of information of millions of people must be held to a higher standard. Experian should be ashamed of themselves, and heavily punished.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute fraudulent accounts and hard inquiries on my credit report that I did not authorize. Despite submitting an FTC Identity Theft Affidavit and requesting removal, the accounts were verified without proper investigation. The disputed accounts include a Credit Card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ). These accounts were opened due to identity theft, and under FCRA 611, I request a thorough reinvestigation and removal of these inaccurate entries from my credit file.
Product: Credit reporting or other personal consumer reports

I sent XXXX letters XXXX to get the 1099C that is required when a debt is written off. They have failed to provide information. The sold the account and now a third party is trying to collect on a debt that is written off and closed.
Product: Credit card or prepaid card

Statues for creditcard fraud are resolve within ( 60 days ) two billing periods USAA DOES NOT MAKE TIMELY FRAUD CREDITS. USAA DOES NOT COMPLY WITH THE LAW. see attatched fraud claim date XX/XX/2018 {$470.00}. see attatched statements XXXX XXXX XXXX XX/XX/2018 ( THERE ARE NO {$470.00} USAA CREDITS. )
Product: Payday loan, title loan, personal loan, or advance loan

I was never informed of this account. All of the accounts details do not belong to me. I am unsure how the end result ended up being attached to me and my credit report. I just found out about this account when the debt collector placed a judgement against me to collect on a debt that has already been charged off and will not provide me with a 1099-C tax form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent information dated XX/XX/2021 into XXXX and nothing has been done nor have I received any information regarding the dispute of the information on my Credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I'm reaching out because of the incorrect information on my credit report related to the account below : Account Name XXXX XXXX XXXX XXXXXXXX Account # XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong to a credit report, so this information on my report isn't accurate!

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect. 
According to 15 USC 1681 s-2, XXXX XXXX XXXX XXXX XXXX, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the customer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact, inaccurate. '' In summary, Ive shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency.

Please delete this incorrect information from my report immediately. 
Thank you,
Product: Credit card or prepaid card

In XX/XX/2020, submitted billing dispute regarding a charge still showing for services cancelled and refund not yet obtained from merchant ( XXXX XXXX ). Company required I submit additional information which was sent back in late XX/XX/2020. Shortly thereafter, I received notice that the dispute was closed despite my sending the requested info and calling multiple times. After much complaining, Company ( US Bank ) re-opened the dispute in early XX/XX/2020. In late XX/XX/2020, I received a letter with documentation from the merchant that indicated my dispute was not valid and the charge would remain. I followed up with the Company, via letter on XX/XX/2020, advising that the documentation submitted by merchant was invalid as it was for an incorrect ticket number ( in other words, the Company submitted dispute to merchant ( XXXX XXXX ) for the incorrect ticket number ). The details of this were laid out in my letter of XX/XX/2020, further advising that if the charge remained valid on my account, that a complaint would be filed with CFPB, which is this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX and Equifax on XX/XX/XXXX requesting they send documentation verifying the accuracy of a XXXX XXXX account on my profile. I never received documentation, just a updated report saying " this account has been verified ''. On XX/XX/XXXX, I sent a second letter requesting documentation confirming validity of the account. I received the same responses as XX/XX/XXXX from each bureau.On XX/XX/XXXX, I sent a third letter and did not receive a response at all. On XX/XX/XXXX I sent a letter requesting method of verification of the XXXX XXXX account and did not receive a response. I contacted XXXX XXXX to resolve the account since it was affecting my score. I was told that they did not have my account it was with a company called XXXX XXXX. I contacted XXXX XXXX and was told they didn't have authority of my account and that I had to contact XXXX. After being transferred between the 2 companies, I was still unable to find out who had authority over the account. I spoke with a rep named XXXX whose extension was XXXX at XXXX XXXX and another rep at XXXX XXXX who got a manager over the phone and he told me that he couldn't do anything because my account was not with XXXX. Two weeks later, I contacted XXXX XXXX again and was told the account was with XXXX XXXX XXXX XXXX XXXX . I contacted this company at XXXX and spoke with XXXX XXXX. I paid the account and expressed that this payment was not an admittance of ownership but that of a weary consumer who was tired of getting the run arounds. I made the payment and was told XXXX XXXX is responsible for removing the account since they are the ones reporting. I called XXXX XXXX the following day on XX/XX/XXXX and was told again that they do not have my account and thus could not give me any information.
Product: Student loan

In 2019 I made many attempts to remove this debt off my credit file. The company has marked it charged off. The account still remains on my file. This is not my account
Product: Credit reporting

I 'm a victim of identity theft someone took my information and opened up lots of accounts in my name right now I have XXXX accounts in collection that does not belong to me XXXX is XXXX and XXXX
Product: Debt collection

I received a letter from C. Edwin Walker, Attorney at Law, XXXX XXXX XXXX. XXXX XXXXXXXX, XXXXXXXX XXXX  XXXX XXXX, IL XXXX, stating that I owed {$480.00} to XXXX XXXX , XXXX plus reasonable attorney fees for work that they completed at my home. I requested written verification that my credit card was presented for payment and rejected by my bank to insure that the plumbing company did try to present the payment and to rule out any type of bank fraud that might possibly have taken place. The money was available at the time of payment and I paid other workers with cash from the same bank account after the date that XXXX XXXX was issued my credit card number. If the plumbing company presented the card request within one to two days the card should have gone through. If the card was rejected by XXXX XXXX bank or my own bank the POS ( point of sale ) machine would have issued a receipt showing that the payment was declined. The attorney told me to go to my bank and get verification that the plumber 's payment was rejected but I stated that debt collection laws required his company to do the work by requesting the information from the company that is accusing me of the crime of non payment. C. Edwin told me that he would advise the plumber to file a civil suit against me. I do not believe that C. Edwin Walker is a valid Attorney at Law and I am requesting an investigation into the matter by the Consumer Financial Protection Bureau. Sincerely, XXXX XXXX XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) - 1002.142 ( b ) ( 7 ). l have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identitication as well as the intormation requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Debt collection

On XX/XX/2021 a credit card from XXXX  XXXX XXXX  was opened for XXXX dollars amd this was not me and now it is on my credit effecting me and I want it removed
Product: Debt collection

I was not sent notice to dispute the validity of this alleged debt. I am disputing the completeness and accuracy of this trade line that is being reported to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021