23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX and I in XXXX 2016 came to a Settlement Agreement, at the time I was represented by an attorney. Additionally, XXXX XXXX, 2016 in the letters in the link I 'm providing you will see that XXXX hired XXXX agreement a 2nd law firm to collect on the debt. Why would XXXX XXXX do something so careless other than to harass and abuse me? 

Please know I am a XXXX citizen. 

The file is too large to attached to the CFPB portal so I have enclosed a link for all the details. XXXX I am requesting that this issue be investigated by the Special Investigations Unit of the CFPB. I am no longer represented by an attorney. 

Why would any company do such a thing other than to violate the FDCPA, RFDCPA, and a whole slew of other laws. Their intent is clear that they wish to harass the XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent accounts on my credit report, which is currently being reported by Experian. Despite my previous submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), these accounts remains on my Experian credit report. 
Upon discovering this fraudulent accounts, I contacted the associated company, which confirmed the fraudulent nature of the accounts and assured me of its removal from their records. Subsequently, the other major credit bureaus, XXXX and XXXX, have removed these accounts from their records after recognizing its fraudulent nature. I am perplexed as to why this fraudulent accounts continues to be reported by Experian despite being removed by the other credit bureaus. 
counts in Question : XXXX  XXXX XXXX and XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It XXXX Concern My name is XXXX XXXX. I am writing concerning the account placed on my credit file by XXXX XXXX. I have fought vigorously in XXXX for this account to be removed from my credit file. Today, I called the county court here in XXXX Texas to inquiry about the pending active suit against me filed by XXXX XXXX several years ago via their law firm, XXXX XXXX XXXX. The case number is XXXX. I spoke with clerk XXXX XXXX and she state that XXXX XXXX sent notice in XXXX of XXXX of a non-suit and order dismissing all claims against me with prejudice. But the law firm failed to attach the order for the court to actually dismiss the case. XXXX XXXX has reached out to the law firm many times to send the order to no avail. Meanwhile, the account is still reporting active and passed due on my credit file as it has done for years. I recently was denied a home loan due to this debt and denied credit with XXXX XXXX. Please send order to court to dismiss case and to all credit reporting agencies to DELETE from my credit file. UPDATE SEE ATTACHMENTS : Attached proof of documentation from court concerning XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX For XXXXXXXX XXXX has sent Court order TO DISMISS THE CASE AGAINST ME AND ORDER has been SIGNED BY JUDGE in the jurisdiction, where the initial petition have been filed! XXXX  dismissed my CFPB case I sent on last week and that was close so Im re-opening this because the proof is there in the form of legal document, signed by their hired attorneys from XXXX XXXX and signed by the Jurisdictional Judge in my city. THIS THE SECOND TIME IN ONE WEEK OF MY SENDING THIS INFORMATION TO XXXX XXXX XXXX XXXX
Product: Debt collection

Ambulance bill from XX/XX/2018 for {$1300.00} was paid by XXXX. Whatever amount was paid by XXXX is the only amount XXXX XXXX XXXX can collect as part of XXXX Ambulance Billing Practices which both XXXX XXXX XXXX and Credit Bureau Services are in violation of. I contacted both companies XX/XX/XXXX via mail, neither company has responded and are still trying to collect on a paid debt
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX XXXX Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX XXXX Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX XXXX XXXX Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX XXXX XXXX  : Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to.

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX   are reporting incorrectly ( 120 ) days late on the USD/XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

On XXXX, I attempted to use the Equifax Lock and Alert web portal to unlock my credit record, as I have successfully done in the past. However, this time, I encountered an error message instructing me to contact customer care and mention error code 101. The exact message was : " Please give us a call We can not complete your request at this time. 
Please call the Customer Care team and mention error code 101. 
XXXX Customer Care is available between XXXX ( XXXX  ) Mon-Fri and XXXX ( XXXX ) Sat-Sun. '' Following these instructions, on XX/XX/2024 I called the provided number and spoke with a representative/agent ID XXXX ), who verified my account ownership but was unable to identify or resolve the issue. Despite being informed that my file would be manually unlocked and the issue escalated to technical support, the representative encountered the same error and was unable to assist further. 

This experience has been frustrating and concerning, especially given the discovery of numerous online complaints indicating that this is a widespread issue with no apparent resolution from Equifax. The inability to unlock my credit file has directly affected my immediate need for financing, placing me in a difficult financial situation.
Product: Debt collection

Credit Collection Services XX/XX/XXXX Amount : {$100.00} Called to dispute XXXX XXXX XXXX XX/XX/XXXX Amount : {$980.00} Called company to ask them to verify and they could not verify the debt, was told debt would be removed. 


XXXX XXXX XXXX XX/XX/XXXX Amount : {$890.00} Called company and informed them that this was unverified and unauthorized, they hung up on me after I mentioned Fair Credit Reporting Act XXXX XXXX XXXX XX/XX/XXXX Amount : {$710.00} Called company asked to remove as this isnt my debt as my identity was compromised on the dark web, they said it would be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

-PLEASE READ CLAIM IN FULL AND COMPLETELY DO NOT TAKE LIGHTLY -ALSO PLEASE VIEW ALL ATTACHMENTS I FULLY and I mean FULLY understand my rights as a consumer and willnot be stopping until I get what is due to me, I am not a person that is going to be blown off by these generic responses. So now I will be putting you all in litigation ( I have attached my attorney general complaint to show I am extremely serious ). This is my 3rd and final complaint on this issue I have tried to solve this with you all yet you are blowing me off. I am seeking monetary compensation for furnishing inaccurate things on my credit report. You all have closed my complaint saying because you have removed the things I am not due to any monetary compensation which is not true. You have broken the law by simply inserting the things on my credit report regardless if they were deleted or not. If you followed your procedures as the FDCPA insturcted you to do to obtain maximum accuracy the things would have never been there in the first place. So therefore you have broken the law if a crime is committed then a crime is committed those things on my consumer report were up there for many months before I got them removed. Which means you have hurt my ability to obtain credit during that time by having those things furnished on my report.. So this is my writing to let you all know now I will be filling suit against you in court and my attorney general has already been contacted. I will give you 15 days to respond before I go put my lawsuit in. I am also saving all of these cfpb complaints to use as exhibits in court I have attached my attorney general complaint already to let you all know that I am serious. As well as last responded CFPB complaint as well as my initial attachemts with my notarized affidavit, certified mail receipts, invoice and prior XXXX complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Progress is reporting a debt on my credit file I do not owe. I didn't know about this debt until I checked my credit. I didn't receive any letters, calls, notifications about this debt, but as soon a I found out I paid the debt and I am requesting this debt to be removed off my credit file.
Product: Checking or savings account

At XX/XX/XXXX, I was being phone scammed. And I was persuaded to transfer {$2400.00} through XXXX  XXXX  with the XXXX at Chase online to the scammers who were claimed to ICE officers, saying that I should sign an immigration bond in order to investigate the my " illegal actions towards alien registration number : Provision XXXX '' case, otherwise, they will detain me and expel me out of the country. And they were also claiming that the fund would be released if they completed the case and found out that I am innocent. At that time, I made two transaction : one is {$900.00} and one is {$1100.00} through XXXX. They were then saying they did not receive the transaction in real-time, and they ask me to purchase another {$2400.00} amount for XXXX  gift card. I purchased gift cards with my credit card. And after that, they were still demanding that they need extra {$1500.00} gift card, which I did later using the same debit card that I made transaction to, purchase another {$1500.00} gift card at XXXX. 

Above were all the money I lost, and I contacted Chase for at least refund the XXXX payment since this was the only thing at least I can still control and negotiate with the bank. However, they issued my credit at that time but they are now reversing the credit, pulling out again from my account without any notices and update on my claim. And I called to them for reasons, they are saying that, since I made the transaction at my behalf, it does not count as fraudulent activity. Let alone the whole negotiating process is being extremely time consuming, making me lost hope on them, and I am starting to think that, this type of service system is actually encouraging those scammers to continue their illegal action to gain money from innocents who did so many hard work for. 

Also, I contacted XXXX company, and they were pretty much saying the same as Chase, seemingly like that both of them could not take responsibilities for what I did, and they were even asking me if I can resolve and communicate with the scammer to retrieve my money. And I was extremely disappointed and helpless since this was the first time I had ever experienced it, and I was so scared along the process, yet I could not get any help from any authorization.
Product: Money transfer, virtual currency, or money service

identify you and your account.

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed many disputes over the course of two years with XXXX, M & M Credit, and XXXX XXXX solutions on multiple accounts ALL of which should not even be reported due to HIPPA rights/laws. I have concluded in research that, In connection with its collection activities, XXXX, M & M Credit, and XXXX XXXX XXXX, furnishes credit reporting information to consumer reporting agencies ( CRA 's ) about the consumers and debts that are the subject of its business. XXXX, M & M Credit, and XXXX XXXX XXXX, violated the Fair Credit Reporting Act ( FCRA ) and its implementing rule, Regulation V, by furnishing information to CRAs that it knew or had reasonable cause to believe was inaccurate ; failing to report to CRAs an appropriate date of first delinquency on certain accounts ; failing to conduct reasonable investigations of disputes made by consumers both to XXXX, M & M Credit, and XXXX XXXX XXXX and to CRAs about furnishined information or failing to conduct investigations of disputes made to XXXX, M & M Credit, and XXXX XXXX XXXX in a timely manner ; failing to send required notices to consumers about the results of such investigations ; and failing to establish, implement, and update its policies and procedures regarding its furnishing of consumer information to CRAs. Based on these violations of the FCRA and Regulation V, XXXX, M & M Credit, and XXXX XXXX XXXX violated the Consumer Financial Protection Act and HIPPA rights.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I encountered a billing error and never received the correct billing statement, which caused confusion about the payment due date. Additionally, the late payments notices arrived after I had already made the payment. 
There was also a clerical error where my payment was applied to the wrong account, causing a delay in processing. 
I provided bank statements, payment confirmations, and proof of the communication with the creditor where these errors were acknowledged. Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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 name : XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX 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 an 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.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Case ID XXXX Disputed amount {$310.00} USD Transaction ID XXXX Transaction amount {$310.00} USD Transaction date XX/XX/2022 Seller name XXXX  XXXX XXXX The merchant, XXXX XXXX XXXX, agreed to comply with the dispute, acknowledging the grounds for the dispute ( the merchant had sent an item that was significantly not as described ). The merchant had not provided a return label as a part of the dispute process. PayPal wrongly continues to hold the consumer liable for an incorrect product delivered by the merchant, which goes against consumer financial protection laws.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.