23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received numerous phone calls from Portfolio Recovery Associates but never a voicemail with any information. Emailed company for verification and never heard back. Finally received written notification of supposed debt owed but stated that original debtor were two other companies before it was sold to PRA. No detailed information from previous companies, no dates of when account was opened, closed, payment record or credit limits, etc. Very vague. XXXX credit report shows collection from PRA but also does not have any detailed information to determine debt is legit. I do not recognize this account as being mine.
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX XXXX is in direct violation of this law. 15 U.S. Code 1692e - False or misleading representations. The Law clearly states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. I never received any communication CERTIFIED MAIL WITH MY SIGNATURE AS PROOF I RECEIVED THIS COMMUNICATION OR ANY ORAL COMMUNICATION THAT HAS BEEN RECORDED WITH MY VOICE AS CONFIRMATION. If you can not produce this communication that was sent certified mail to me or any oral recording with my voice showing I have received this communication you are in violation of this law and this debt from XXXX XXXX XXXX is reporting inaccurately.
Product: Debt collection

In XXXX there was an incorrect, accidental deposit made into my XXXX XXXX account of {$750.00} which is completely out of range of anything normal i did in the past. i disputed this with my bank and XXXX  and i won the dispute and was given back my {$750.00}. i just have received an email now in XXXX saying i owe {$750.00} to indebted which is connected to XXXX XXXX. why? i dont know. this was resolved with the bank and should be removed and not be sent to a debt collector. please removed this from my credit and removed as a debt owed. which it should not be
Product: Credit card or prepaid card

I implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$410.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$940.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$260.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$940.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Balance : {$510.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$490.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I was essentially charged an extra payment and late fees with Carvana after they didn't automatically withdraw my vehicle payment out of my checking account. This has negatively impacted my life. I phoned Carvana giving them my new checking information and the rep assured me the payments were set up for automatic withdraw. Thank you.
Product: Credit reporting or other personal consumer reports

ive checked my credit report and you are presenting misleading and false information as this account does not belong to me
Product: Debt collection

Procollect has again sent a letter to our house regarding our son 's debt issue. They have been notified repeatedly that our son does not live with us. Yet, a letter arrived today again. A complaint was previously filed with your agency about this same account. In the letter that I now have in hand, Procollect is offering a settlement of 50 % of the debt and deletion of the issue from my credit report. The previous case I filed with you dealt with the fact that Procollect put this debt on MY credit report rather than my son 's. If this is on my credit report again, I will take additional steps against them, but I do not know if it is on my credit report now or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that are not mine on my report. XXXX XXXX XXXX {$23000.00} XX/XX/2021. XXXX XXXX XXXX {$12000.00} XX/XX/2021. XXXX XXXXXXXX XXXX  {$87.00}, XXXX XXXX {$30.00}, XXXX XXXX {$30.00}, XXXX XXXX {$4.00}.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

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

XXXX XX/XX/XXXX To Whom it may concern, ATTN Fraud Department : Remove fraudulent accounts from my credit report Dear Sir or Madam : I was recently a victim of identity theft. I filed a report with the credit bureaus and also with the FTC and my local police department. These fraudulent accounts appearing in my credit report were deleted. But I woke up this morning to find out that an additional new collections account was placed in my credit report. This account wasnt on there at the time I filed my FTC report and contacted the credit bureaus. It looks like this is one of the fraudulent accounts that was just sold to another collections company. This account is fraudulent, and I dont know where it is coming from. I have never received any services from this company. Please delete and block. There are also some fraudulent inquiries still appearing in my report. I HAVE ATTACHED A SUPPLEMENTAL FTC AFFIDAVIT WITH THE SUPPLEMENTAL INFORMATION HIGHLIGHTED. Thanks Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.
Product: Credit card or prepaid card

Agent named XXXX called me XXXX XXXX today after XXXX hour wait!!!!! He shut off my card to be dirty. LOCKED ME OUT OF MY ACCOUNT! This is regards to current complaint for XXXX $ charge. THIS IS APPAULING! I WONT BE TREATED BY A XXXX OVER HERE IN TEXAS FROM XXXX!!!! DIRECT EXPRESS CALLED ME PER CONSUMER PROTECTION AGENCY WHO WAS ALSO ABUSIVE ALSO!!!! UNLOCK MY ACCOUNT!!!!!! NOW.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a notification that my Discover credit card was declined. I logged into my account and saw a fraudulent charge. I called Discover, who closed the account and issued a new card. What I didn't realize until later that night was that Discover lowered my Credit Limit to XXXX from XXXX and I was now Over limit! I called to find out why and the rep said that my account was reviewed and lowered. He had no explanation. 
I have a perfect payment history with Discover, and all my cards, and always pay more than the minimum payment. This lowered limit coincidentally coincides with my XXXX birthday.I feel that my limit was lowered due to my age and that I'm female. This lowered limit has caused a drop in my credit score by 65 points!!!! 
I reached out to Discovers Executive Offices and spoke to XXXX (? ) who took my complaint. There was no reason to drop my limit, and now my other credit cards will follow suit. This is an unfair practice to do to someone who is planning to retire in three years!!!! I don't have the luxury of rebuilding that a younger person has and worked very hard to maintain a GOOD credit score for my future. Discover needs to be investigated for age discrimination.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Deletion Resolution of Data Breach Impacting My Credit Report Dear XXXX & TRANSUNION I am writing to express my absolute outrage and deep concern regarding the data breach that has compromised my personal and financial information, resulting in an adverse impact on my credit report. This breach is a blatant violation of my privacy and consumer rights, and I demand immediate corrective action and accountability. 

Your failure to protect sensitive information has caused unwarranted harm, including [ briefly describe any specific consequences youve experienced, such as fraudulent accounts, credit score drops, denied applications, etc. ]. This is not only negligent but also inexcusable. 

Here are my demands for immediate action : 1. Thorough Investigation : I demand a full investigation into this breach, including a detailed explanation of how my information was compromised. I expect a written report on your findings.

2. Immediate Correction : Remove all fraudulent accounts, inquiries, and any other inaccuracies from my credit report immediately. Provide me with a clean and corrected credit report withinXX/XX/XXXX days of receiving this letter.

3. Enhanced Security Measures : Inform me of the steps you are taking to ensure that this breach does not occur again. Your lack of effective safeguards has resulted in the loss of my trust.

4. Compensation : I hold you liable for any financial harm and emotional distress caused by this breach. Provide details on how you intend to compensate me for damages incurred. 
5. Confirmation of Compliance : Provide written confirmation that all actions outlined above have been taken. Failure to comply promptly will leave me no choice but to pursue legal action. 


This issue demands your immediate attention. You have allowed your negligence to damage my financial stability, and I expect nothing less than a swift resolution. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Each of 3 Credit Bureau 's received credit report updates on my student loans Theyve been paid off My XXXX XXXX did NOT XXXX up like many others I continue to have a score thats classified as " poor '' and below XXXX and Im not able to secure any credit despite the bureau 's sending me recommendations on Credit cards in last 60 days to Build my credit. 
The information is mismatched. Also, XXXX and XXXX show me LATE on 14 student loans But my loans are PAID to XXXX balance And while on my credit they were in Deferrment This is making a challenge to get any credit I apply for I also work with a system called XXXX I unlike my colleagues keep having IT issues impact mywprk under my pprofile I addressed this but the credit bureau denied their being linked onto my credit profile. 
I had a FREEZE on my credit file and despite that they permitted XXXX to PULL my credit. 
I asked their accounting dept and they said they dpnt know how their compuer XXXX system let that inquiry happen but they also concerned about XXXX policy. 
Every single time I request credit access into XXXX, My Login credentials Do Not work I always hace to stop and call in and redual ex after hang ups and finally talk XXXX a rep Today a rep had to HELP me get access to my acvount to manage a freeze and it took me 45 minutes on the phone to gain access This is Typical pattern for ME when I sttempt to do anything with my own XXXX reports At times it happens with the others Adfitionally they continue putting a OLD Emploer on my profile from another state This practuce has hone on 5 years for one business and 30 years for a NY XXXX XXXX XXXX I worked at as a part time Temp 1 yr after graduating high school!!!! 
Another is one I had a on job complaint XXXX case with
Product: Debt collection

There is a debt collection that I didn't know about, opened Date openedXXXX, I've visited the XXXX website to view my report and just recently seen this debt collection on there and I immediately filed a dispute over the debt collection because I don't know who the debt collector is or what the debt is from that they're trying to collect, I never received any type of notice about the debt. Here 's the info for the debt collection : Account nameDIRECTARMS, Account typeCollection, Date openedXXXX, Status updatedXXXX XXXXXXXX, Balance {$530.00}, Balance updated XX/XX/XXXX, Original balance {$500.00}, Original creditor XXXX XXXX XXXX XXXX This the only way to contact this company, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

NO ACTION TAKEN PER. 15 U.S.C. 1681a 1681a. Definitions ; rules of construction BY LAW SAYS IT IS ILLEGAL FOR CREDITORS TO REPORT LATE PAYMENTS A.K.A TRANSACTIONS ON CREDIT REPORT.

( A ) credit or insurance to be used primarily for personal, family, or household purposes. ( B ) employment purposes; or ( C ) any other purpose authorized under section 1681b of this title. 

I SUMITTED MULTIPLE DISPUTES COMPANY REFUSE TO REMOVE EVEN AFTER UPLOAIDING EVIDENCE PER IRS TRANSCRIPT
Product: Credit reporting, credit repair services, or other personal consumer reports

We have issues with wrong info on our mortgage account and CAN NOT resolve them because all the phone numbers and extentions they provide no PERSON answers, the recordings do not pertain to our issue, they have reported us to the credit bureau 's 1 ) due to the virus I told them I couldn't pay XXXX because we were supporting 9 humans with us but not only that there was a moritorium made by our Governor on XX/XX/2020 that a late payment could not be reported 2 ) even  without the moratorium they did not wait the 30 days. They also report in their letters that XXXX was missed but I have proof it was. They are charging us late fees when with a 15 day grace period NONE were late. When we purchased the house we paid it the XXXX every month. They then increased it and being on a fixed income I had to make up the {$120.00} with ss check but it was never sent after the 15 days. They in again a letter said they DON'T apply the XXXX to the mortgage payment. Well if it's my account and it isn't late why not? I have been receiving robo calls daily and voicemails daily with NO valid # number to call. If I answers the call it just tells me to call a number that I can't reach anyone at. 
I have letters I have written, the last was certified receipt requested and they received it and I got back a letter telling me to call someone, different # but and extension. Well guess what we called repeatedly and again recordings that person and extension " not available '' and NO RETURN CALLS TO OUR VOICEMAILS ASKING THEM TO CALLS us back. I have been told that XXXX XXXX  has received numerous calls with the same complaint I have. 
Is there anyway this Sham can come to a close? Is there anyway I can get my credit restored because of their false reporting or can they be sued?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account # 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 witout my written instructions.
Product: Credit reporting

I have medical bills showing on my credit report that do not belong to me. I have notified Equifax, XXXX and XXXX on several different occasions. They show XXXX accounts with XXXX ( XXXX ) & ( XXXX ) as well as XXXX ( XXXX ) and XXXX medical bills that do n't even list a creditor so I have no way of contacting them. I do n't have any negative credit so these erroneous accounts are having a huge impact on my credit. I am unable to establish credit because of these accounts that do not belong to me. I have reached out to the creditors for them to provide me with any proof that this is my debt and they just ignore me. Please help me resolve this issue. My address is also being misreported. they have an address in XXXX GA that I have never lived at and my current address that I have been at for years does n't show up at all. I have sent several letters to all XXXX credit bureaus and they ignore me. I ca n't apply for credit because of it and it causes problems when applying for jobs or insurance because my address does n't match.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit/consumer report from EXPERIAN. I had noticed fraudulent account on my report. " XXXX XXXX XXXX '' Please remove accounts from my report they are hurting my ability to obtain credit. 

I was a victim of multiple data breaches. 

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. 

Why am I liable for this debt with XXXX XXXX XXXX when I'm a victim of identity theft because of multiple data breaches? 

I ask for a re-investigation of this item. 

Also, source you used to collect this false inaccurate information. 

This inaccurate item violates these laws 15 USC 1681i, 15 USC 1681i5, 15 USC 1681eb, 15 USC 1681 ( 602 A. ), 15 USC 1681c ( a ) ( 5 ) Please remove/delete this items with all reporting agencies. 

If these items are not removed. 

I will submitted requests to the " XXXX XXXX XXXX  '' and " Federal Trade Commission '' as well.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. 
As you are aware, I have submitted the required FTC report regarding these fraudulent accounts. Following my submission, both XXXX and XXXX removed these accounts from their records. 
I have also directly contacted the banks associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 
It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX.