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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$4900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Prepaid card

I was at XXXX in XXXX Tennessee my cell phone was stolen by XXXX XXXX then he sold my XXXX and transferred my money from my cash app over to his cash app with any of my pass code or anything and cash app want give me any info on this only reason I found out what I have is because my card that was linked through XXXX money prepaid card said that this is what happened so I'm just out a XXXX XXXX XXXX XXXX XXXX  dollars and that's not all XXXX XXXX also sold over XXXX pre paid cards from me and he used them him and my niece her name is XXXX XXXX and they have gotten away with everything they have robbed me for I don't know what to do please help me thank XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in FCRA violation on Uplft inc. i receive a message from my XXXX XXXX services that something was remove! Uplift or XXXX I asked for the account he removed for FCRA violations and in accuracy with both of you please respond and tell me what was removed because I requested the entire XXXX XXXX  be removed nothing else and Ill be waiting your response I think you
Product: Credit reporting, credit repair services, or other personal consumer reports

Helvey and Associates are a collection agency claiming to have had a XXXX XXXX account referred to them for collections. They claim the date the account with XXXX XXXX first became dilinquint XX/XX/2015, and reported XX/XX/2015. The last XXXX XXXX account held in my name ended XX/XX/2015, and had been closed by myself, in good standing, knowing of my planned moving from that residence. When this account was first noticed on my credit report file, I began disputing the account, calling all 3 credit reporting agencies multiple times, and told to contact the original creditor, which I did. XXXX XXXX confirmed what was already known ; that my account was closed, in good standing, and the date it had been closed. When I informed them of the problem I had, and the inaccurate reporting, they had told me they could do nothing as they were not the ones reporting the information, they could not control what had reported, or continued to do so. I was told to dispute the account and XXXX XXXX could then report the account was in good standing and had never been sent to collections. Over the course of the last 2.5 years I have repeatedly disputed this account, and although I have never received a billing statement from XXXX XXXX or Helvey and Associates, or any proof of debt validation, the account continues to report as a very derogatory open collection account, and has very unfairly contributed to my inability to obtain loans, a mortgage, or credit in my own name. I do not know what else to do regarding this account and ask for help from the CFPB. I have recently submitted written request for method of verification of this account and have received nothing, as well as no response whatsoever from XXXX. The letters were sent by certified mail with signature request, and can be shown the dates and times they had arrived to the credit bureaus. It has been 15 days since receipt of these requests, and by law the account was to be deleted from my credit report file as a result, but still has not. I can not obtain a business loan or a mortgage until this or another inaccurate account has been deleted due to multiple inaccuracies, among other reasons. Hopefully with intervention from the CFPB, action will now be taken by the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I received a notification from Equifax telling me of their federal obligation to offer me a free copy of my credit report because of more than 8 inquiries or negative information. The instruction is worded as follows : " ... or visit www.equifax.com/fcra and select the option for Free State Credit File. '' There is no Free State Credit File option on Equifax 's website and when I type that phrase into their help, it finds nothing. 

This is not a complaint for follow-up with me, but rather notifying you of the misleading instruction that could lead to confusion for many, thereby not really fulfilling the intent of the legal obligation.
Product: Credit card or prepaid card

I made an online hotel reservation in XXXX XXXX on XXXX XXXX for a non refundable hotel stay on XXXX XXXX XXXX using my capital one credit card. As the advisory started not to travel abroad due to covid-19 I tried reaching out to the hotel for my options. Since the hotel was not responding I put in a dispute with capital one credit card services. Capital one issued a credit on my account on XXXX XXXX. On XXXX XXXX I received a credit reversal from capital one on my statement stating the hotel provided them proof and if I did not agree with the decision I should provide supported documents. I faxed over 3 sets of proof. I sent capital one 1. An email from the hotel to me that they will provide a refund on XXXX XXXX. 
2. I provided a snap shot of the hotel website where it states they are closed do to covid-19 as of XXXX XXXX XXXX ( my dates of stay were XX/XX/XXXX, -XXXX   XXXX the hotel closed their doors ) 3.  A follow up e mail from the hotel on XXXX XXXX where they stated they changed their mind and will not provide an email. 
At that time capital one took all my information I provided them and agreed with me and credit my account for the hotel stay. Fast forward to today XXXX XXXX they removed my credit on my account And said the hotel provided me with a voucher and that was good enough for capital on credit card services and as far as reopening my dispute will not be possible. I never received a voucher, or or canceled my reservation with the hotel. The hotel canceled on my reservations and capital one does not protect or provided services to their clients which is me. I would like someone to please take a look, the way capital one handles disputes and why I the consumers have no rights and the hotel can do as they please and change the terms as they go along.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Account Request for Validation and Chain of Assignment Contract Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, This letter serves as a formal dispute regarding the accuracy and validity of the information you are reporting about the above-referenced account on my credit report. This dispute is made pursuant to my rights under federal consumer protection laws, including but not limited to : * 15 U.S.C. 1692g ( Debt Validation ) : Requires the furnishing party to provide validation of the alleged debt when requested.

* 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) : Prohibits furnishing inaccurate or incomplete information to the credit reporting agencies.

* 15 U.S.C. 1681b ( Permissible Purposes ) : Restricts the access and use of my credit information unless a permissible purpose exists.

As the alleged debt is being reported to your bureau, I demand : 1. Validation of the Debt : Provide full and complete validation of this debt, including the original contract or agreement bearing my signature.

2. Chain of Assignment Contract : Furnish the complete chain of assignment contract to establish the lawful ownership and reporting rights of this account.

Failure to provide this documentation will constitute a violation of my rights under the aforementioned laws. If this debt is being reported without proper validation or authority, it will be considered a case of identity theft, as defined under federal law, and I will demand its immediate removal from my credit report.

If you are unable to validate this account or provide evidence of permissible reporting, you are required by law to promptly delete this inaccurate or unverifiable information from my credit file under 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ).

Please note that failure to comply with this request may result in legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory authorities.

I expect a written response to this dispute, including any documentation you rely upon, within the 30-day period mandated by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited a cashier 's check for {$37000.00}, issued by Bank of America, into my Bank of America checking account. They reversed the entry and said the check was lost, despite me having a deposit slip with the image of the check deposited into the account.
Product: Student loan

Hi, I 'm the co-signer for my brother 's student loan. We received the loan from XXXX, who ultimately handed processing over to American Education Services ( AES ). While XXXX was handling the loan we had no issues. They were very quick to reach out to me by phone whenever a payment was past its due date, and genuinely seemed concerned with us keeping our account in good standing. Once the loan was handed over to AES, however, the experience changed entirely. In short, its quite clear that AES ' main goal is to make it as difficult as possible for borrowers to make payments on time. For example, they stopped XXXX 's practice of calling to alert me of past due balances. Second, they make it extremely difficult to set up auto-pay by a. Requiring the borrower to APPLY for direct debit ( how this makes a shred of sense is absolutely beyond me ) and b. keeping the entire application and signup process entirely through the paper mail. This would have been understandable in the mid 1990s, but there is absolutely zero excuse for doing either of these things as a matter of business practice. It 's simply a thinly-veiled attempt to trip borrowers up, reduce the chances of payments being made on time and therefore increase the chances of collecting higher fees. It 's despicable and it needs to be addressed. Thank you for your consideration of this issue with AES, and I sincerely hope the CFPB is able to force these servicers to conduct business with basic standards of integrity.
Product: Mortgage

I got a XXXX forbearance for the months of XXXX, XXXX, and XX/XX/2022. I did not make payments those months and resumed monthly payments XX/XX/2022. I signed paperwork from XXXX stating that the amount of the payments I missed ( {$3000.00} ) was considered a loan that would be payable when I refinance or pay off the mortgage. My account was never properly credited for that amount nor was I given a check for that amount, so I was never given the money that I have a loan for. 
I have called many times in 2022 trying to get an explanation of the strange items on my mortgage statements and no one has given me any explanation except that they were mistakes and would be fixed. They have never been properly fixed and I gave up asking for an explanation. 
I have called more recently called to straighten this out, requesting a meeting to analyze the statements. Every person I talk to tells me that I need to talk to someone else. I have left messages for the XXXX that I am told can get this taken care of and she has not responded.
Product: Credit reporting or other personal consumer reports

I got a letter from my college loan servicer stating on On XX/XX/2023, the Loans for my school accounts have been satisfied. The loans have been fully forgiven and I have the paperwork stating they have been forgiven. I tried getting in contact with the credit agencies but they are Ai or automated. I was unable to get in contact with the actual living people assist with removing the negative information that inaccurate.
Product: Checking or savings account

They are holding a deposit with no merit. And the refuse to release it to buy food. And their are calculation errors
Product: Credit reporting or other personal consumer reports

This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. 
XXXX XXXX {$18000.00} XX/XX/XXXX XXXX XXXX XXXX  {$5900.00} XX/XX/XXXX XXXX XXXX  XXXX {$8100.00} XX/XX/XXXX XXXX XXXX  {$14000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  {$420.00} XX/XX/XXXX XXXX  XXXX {$9100.00} XX/XX/XXXX XXXX XXXX {$820.00} XX/XX/XXXX XXXX  XXXX {$17000.00} XX/XX/XXXX XXXX XXXX  {$24000.00} XX/XX/XXXX
Product: Debt collection

I called IC Systems on XX/XX/2020 to dispute a XXXX XXXX XXXX bill as not mine. IC Systems sent a Request to their client but got no responce. I called IC Systems on XX/XX/XXXX to inquire why the collection was still on my credit reports and the account was not closed. They gave me the run around and refused to close the account or remove the collections even though they could not provide any documentation to prove it was my bill
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis appears to have compiled and disseminated incorrect information about me into a record provided to XXXX, and have made it difficult to understand which erroneous information is contained. The company also provided false information in that it denied being the source of verification questions provided to XXXX.
Product: Checking or savings account

On XX/XX/year> I opened a Tradestation account using a promo code XXXX which said if I deposit a minimum of {$500.00} within 30 days of account opening and maintain $ XXXX I will get a {$150.00} bonus. 

I deposited {$500.00} on XX/XX/year> and I have maintained the balance since but have not received the bonus. Upon contacting Tradestation they are claiming that I did not deposit at least {$500.00} and so they can not honor the promo code. In their offer it did not say that {$500.00} need to be deposited in one transaction.

I have attached a screenshot from Tradestation which shows that {$500.00} was deposited on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A lot of errors appear on my credit report and I have reached out to the companies for the violations of the FCRA and they refuse to investigate and remove inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1692g - Validation of debt XXXX XXXX XXXX Account Number : XXXX this account does not belong to me 2. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX I have zero knowledge about this account this does not belong to me please delete from my credit report 3. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX 4. 15 U.S. Code 1692h Multiple debt XXXX XXXX  Account Number : XXXX please delete multiple debts This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Thank You Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 2 ) XXXX XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 3 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 4 ) XXXX Reported twice on my report " DIDNT AUTHORIZE '' ( UNPROVEN ) 5 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 6 ) XXXX  Reported twice on my report " DIDNT AUTHORIZE '' ( UNPROVEN ) 7 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 8 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 9 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 10 ) XXXX XXXX XXXX XXXX DIDNT AUTHORIZE '' ( UNPROVEN ) 11 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 12 ) XXXX XXXX XXXX XXXX XXXX DIDNT AUTHORIZE '' ( UNPROVEN ) 13 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 14 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN )
Product: Debt collection

A year ago this account popped up on my credit report. I have disputed 3 other times successfully with the credit reporting agencies. At that time i was told I had to fill out an affidavit and follow direction to fet the frauded account off of my report. I DID THAT. I check my credit report frequently now and yet, another credit collecting agency has popped up again. This time they have correct data about this account and the credit agencies are not willing to remove it. Upon calling the company again I was told I had to follow the fraud process again. the amount is {$370.00} I called them again today XXXX XXXX, 2017. They are harrassing me via my credit report and THIS ACCOUNT IS NOT MINE. In addition the mail kept coming having my name but the apartment number was XXXX. I never had cable at my address.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

In XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. The letter stated that my XXXX XXXX XXXX account was acquired by XXXX XXXX XXXX and placed with this law firm for collection. The letter stated that the law firm was authorized to extend to me a special offer of settlement for {$480.00} ( a 40 % savings from the original amount of {$800.00} ). 

I researched the date of service ( XX/XX/XXXX ) and amount owed ( {$800.00} ) and found that all bills associated with that date were satisfactorily paid by my insurance company. No one from the hospital or related services had turned my account over for collection because there was no outstanding bill. 

In my research, I did figure out what had happened. The hospital originally requested payment under my SSN instead of my husband 's SSN as he is the account holder. Payment was denied by my insurance company. As soon as I realized that happened, in XX/XX/XXXX, I contacted the hospital to correct the error. The bill was then resubmitted to insurance and paid. 

I sent a letter to this law firm with a letter stating they were trying to collect a debt that was not owed. Additionally, I enclosed plus the EOB from my insurance company to show that this bill was paid. The letter was sent Certified with Return Receipt requested by USPS on XX/XX/XXXX. The letter was returned to me marked " Unclaimed '' on XX/XX/XXXX. I filed all that away in case it became a further issue. 

On XX/XX/XXXX, I received another letter with the same information and offer. 

Today, XX/XX/XXXX, I received another from XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX with the exact same offer. This letter had errors in my address that were not present in previous letters. But all letters shared a common address on the enclosed payment stub : XXXX XXXX XXXX, XXXX, CA XXXX. 

I feel like this company bought access to old information and are trying to see what people will be frightened into paying. How can they be stopped?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.