23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We had an insurance check for work to be done in our bedroom that was made out to us and our mortgage company Fay servicing. We received the XXXX disbursement and were told when we were XXXX done with the work that they would send an inspector out. After the inspector came out the next XXXX would be disbursed. We called 8 days ok and no one has called us to set up the XXXX inspection. After calling Fay servicing over XXXX times and email contact we have no resolution on when they will conduct the inspection. We have had our entire bedroom crammed into our living room for over three months. The lack of response from Fay servicing and timely assistance has been unprofessional.
Product: Money transfer, virtual currency, or money service

I am another victim of the theft of crypto assets from an IRA account maintained on XXXX XXXX XXXX. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 no payment due covered under Covid plan no payment due for multiple cycles then reduce to $ 20 monthly thereafter XXXX and XXXX corrected several times now and its back again which cost me another XXXX for no reason XXXX no clue why they are still being or what did as I only ever used the account 5 times and returned 3 of the 5 their continued deceptive billing practice is causing significant issues
Product: Credit card

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Product: Vehicle loan or lease

I have reviewed this company 's response regarding the release of the CAR Title. The state of Texas has no record of this title and the state of California is expecting me to hire a notary, pay the notary plus pay for a duplicate title. This company did not update their records accordingly and obviously can not keep updated information regarding a past due amount which does not exist. I have been living in Texas for 10 years since XX/XX/2009 and the car was purchased in California. I made all my payments on time and this company failed to update their information with the Department of Motor Vehicles. This is not a frivolous request and I should not have to incur further expenses due to their incompetent ways of keeping accurate and correct information. I am demanding the Car Title delivered to my home address immediately. Why should I have to pay for this company 's erroneous record keeping. I have contacted the Attorney General 's office and they have also will be conducting an investigation.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX am submitting this complaint in reference to this company knowingly reporting inaccurate data. XXXX XXXX XXXX XXXX XXXX credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, XXXX XXXX XXXX XXXX XXXX demand proof " TO SEE '' Valid Authorization /proof of alleged debt. Reporting without valid proper disclosures requirements are in direct violation of XXXX XXXX XXXX XXXX XXXX consumer rights. XXXX XXXX XXXX XXXX XXXX legally request a description of the detail of the verification process used to verify this alleged account. 
Federal law requires you to in thirty ( 30 ) days and failure to comply with these federal regulation by the FTC U.S.C41, et esq XXXX XXXX XXXX XXXX XXXX am maintaining careful record on my communication with LVNV FUNDING LLC LVNV FUNDING LLC is a debt buying company that is reporting to XXXX XXXX XXXX XXXX XXXX consumer report without proof that there is an actual contract that XXXX XXXX XXXX XXXX XXXX did business with them at all. 
LVNV FUNDING LLC bought a charged off debt and never properly in formed XXXX XXXX XXXX XXXX XXXX regarding this mater. 
XXXX XXXX XXXX XXXX XXXX have suffered behind this this fraudulent action
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the debtor ( s ) on XX/XX/2019 requesting my signature proving this was my debt and/or that I had paid the accounts late. The companies are reporting this information to the 3 credit reporting agencies without providing validation of the debt and the credit reporting agences are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims. 

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

Back in 2015, I provided all 3 credit companies with my proof of ID theft, along with court documentation showing that all accounts were to be disputed and removed for consumer credit report. At that time, I sent in that request to remove all hard inquires, along with all collections accounts. Upon checking my credit, it was found that a collection account still remains on my credit report, and I also have three account that should have been removed from report. This has damaged my good name and credit with these accounts still being present. They are also reporting that accounts that I have open are currently delinquent, when they have been all paid up and current. They are reporting out dated information, and it is making it hard for me to get any type of additional credit. I should be rebuilding my credit right now after over 7, almost 8 years of having to fight for my identity back. I am asking that all three credit companies, XXXX, XXXX, and Equifax update my information ASAP! I have sent letter certified mail, sent in copies of court documentation showing what has happened, and I want all hard inquires and collections and outdated unverified accounts removed from my report or I will take further legal action and sue all three companies! This is ruining my life! I want to purchase a home in the next year, or so.. And, I don't want this information holding me back. I just want to start fresh like I've been trying to do for the last 2 years.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for falling to properly investigate my dispute regarding inaccurate in my credit report.Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a throrough investigation. The practice violates the fair credit reporting Act ( FCRA ), 15 U.S.C ss 1681i, which mandates a resasonable investigation of disputes.Furthermore, XXXX actions may also contravene the consumer financial protection Act ( CFPA ), 12 U.S.C. Ss 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( file No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX XXXX ......
Product: Credit reporting or other personal consumer reports

comenity capital/big lots shows an account that is in charge off and shows charge off for 13 straight months. an account can not charge of but once its listed as charge off loss but no 1099c was provided or issued to the irs acount is not listed as closed and still shows a balance there can not be a balance and a charge off. Thsi si being reported in accurately and becuase it is being reported inaacuralety i am requesting it be deleted
Product: Debt collection

As of XX/XX/23 i received 10 text messages from 5 different phone numbers instructing me to contact them about an issue with my XXXX account. I did contact XXXX direct and there is no issue with my account. 
The phone numbers are as follows : XXXX XXXX XXXX XXXX XXXX The message received is following : Please contact MRS BPO , LLC at ( XXXX ) XXXX regarding a matter for XXXX. MRS is a collection agency. If you want to opt out of future text messages reply with STOP. Visit us at : https : //portal.mrsbpo.com. To see important rights and information, click mrsbpo.com/state-disclosures. 

I did not visit their portal nor opted out of receiving messages since i did not request anything from this outfit to begin with, nor is there an issue with my XXXX account. 
I contacted them on XX/XX/23 to forward any information they claim they have in writing to my home address. I have yet to receive such information but kept getting the same text messages instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and my personal information was breached. Please review my attached Identity Theft Report from the Federal Trade Commission that was created on XX/XX/2023.
Product: Checking or savings account

I am filing a complaint with the CFPB in regards to Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capitol One has cited technical issues, which may violate the Electronic Funds Transfer Act at it requires timely access to funds. This raises concerns about consumer protection laws, and I request your assistance in investigating the matter. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company several times to formally and legally ask them to remove this inaccurate and illegal account from my credit report. However, after various formal certified FCRA mail disputes they continue to ignore my requests. This account information does not belong to me and they have failed to show me how they officially validated this false debt. 

BARCLAYS BANK DELAWARE Amount : {$1900.00} Date opened : XX/XX/2014
Product: Debt collection

I XXXX XXXX was entered into consumer transaction with XXXX on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX took cash. The finance charge is suppose to include insurance, but XXXX made me purchase insurance separately. I XXXX XXXX was also a victim of identity theft because I entered into a consumer transaction with XXXX  XXXX on XX/XX/2016. A consumer credit transaction in which I was tricked into thinking that I got a loan when in reality I only came for the credit, the promissory note was for them because XXXX  XXXX got the loan 15 usc 1431. XXXX XXXX used my information to obtain an extension of credit, 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. my information was used by XXXX XXXX illegally to obtain my approval status for an extension of credit. can you guys please stop violating my rights as a Consumer? I have kids that have I have to take care of. it is hard to maintain a normal lifestyle because I can barely work because I have to spend countless hours studying the laws of the FCRA so I can finally get this issue resolved. I sat here for hours personally typing this letter myself with blood, sweat and tears because many nights I cried myself to sleep over these issues. I am begging you to please help me. do the right thing, I am a single father trying to survive during these covid times.
Product: Debt collection

Bank of America has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

I contacted Cavalry Portfolio Serv by mail about a collection that appears in my credit report they responded back with a screenshot of an online photo about an account I don't know nothing about this account. This is the details that show in my 3 bureau credit report. 

Account Name : Cavalry Portfolio Serv Account # XXXX Original Creditor : XXXX XXXX Account type : Collection Date Opened : XXXX XXXX Account Status : Closed Payment Status : Seriously past due date / assigned to an attorney, collection agency, or credit grantor 's internal collection department. 
Status Updated : XX/XX/XXXX Balance : {$4400.00} Balance Updated : XX/XX/XXXX Original Balance : {$4400.00} Past Due Amount : {$4400.00} Terms : 1 Month Responsibility : Individual
Product: Money transfer, virtual currency, or money service

Google Pay will NOT let me send mo way to anyone and Ive sent documents proving who I am several times and they still wont let me send AND they refuse to give me a reason as to why not!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a Consumer.
Product: Debt collection

On XX/XX/XXXX, I paid off a Judgement that was against me through Civil Court. On XX/XX/XXXX, I spoke with XXXX XXXX, with Finkelstein, Kern, Steinberg and Cunningham, about getting a Letter of Satisfaction sent to Civil Court Division. XXXX XXXX informed me that the Judgement amount was incorrect and an additional {$4000.00} needs to be added to the amount. 

This case is from XXXX and if the amount was incorrect, it should have been stated in Court. Civil Division records are showing I have a Zero Balance and that my debt has been paid in full. 

Civil Case # XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 

This Collection Agency is trying to get extra money from Consumers.
Product: Credit reporting or other personal consumer reports

This is my final straw with Transunion because I have completed numerous complaints against them for violating me. And to be honest, Transunion had the nerve to tell me that numerous investigations were completed yet inaccurate information still exists. I don't understand how you are still in business if it's your grave responsibly to ensure maximum possible accuracy. Y'all over here playing on my top, playing with my name and better yet playing with my lifestyle. Transunion you have caused me so much XXXX and stress and not to mention, the struggle been so real from lights getting cut off ; I fell out with my man because I can't contribute how I need to be considered a wife and I thought by now, I would be married but Transunion is the MAIN issue causing other areas of my life to be chaotic and even XXXX ; worse than that ; I have lost XXXX XXXX because I can't even afford to eat. Y'all think it's a game ; reporting inaccurate information like I will get another life ( playing like it's a XXXX XXXX game ). Stop playing with me! You have caused enough damage to my close relationships and more! 

Delete the following information, ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts on my credit report that I believe are the result of identity theft. I have already reported this issue to the appropriate authorities, and I am now requesting that the credit bureaus cooperate with me to resolve the matter. 

As a victim of identity theft, I am entitled to certain protections under the law. I expect the credit bureaus to comply with all legal requirements, and failure to do so may result in legal action against them.

I have already contacted the other credit bureaus to report the accounts in question, and they have ceased reporting them as they have confirmed them to be fraudulent. However, your bureau continues to report these accounts, which is causing serious harm to my credit score. 

I have also contacted the creditors associated with these accounts, and they have confirmed that the accounts were fraudulent and have agreed to remove them from my credit report. 

Fraudulent account in question : XXXX XXXX and XXXX XXXX Bankruptcy-dismissed Reference : XXXX.
Product: Debt collection

XXXX XXXX XXXX is taking very old medical bills ( 8 years old ) that have already been resolved with the billing office of XXXX and sending them to collections. They wont quit calling or harassing me and keep sending all these medical bills to collections. I have sent numerous letters asking for dates of service, what the collection is for and they will not write me back. They just keep sending them to collections and are ruining my credit score and I am in the middle of trying to purchase a home. I had XXXX in XXXX, almost all my bills were cleaned off by XXXX XXXX XXXX XXXX Iowa but now this company has gathered all this information. It is against the federal trade commission for any medical bills to be sent to your credit report as of XX/XX/XXXX when the Cares Act passed.
Product: Checking or savings account

My account restricted over a week now I need my money to pay bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, Experian, and XXXX about these false-negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts are deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act, this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous of times to block the following inquiries from fraudulently reporting on my credit report. My next step after this will to be filing a law suit on the companies as well as the agencies that's reporting the following inquiries, XXXX XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX )
Product: Checking or savings account

Based on a XXXX  promotion, the company offered {$100.00} off my next purchase of {$100.00} or more, but did not honor this promise after I made a qualifying transaction.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent credit inquiry that appears on my credit report, which was made online without my knowledge or consent. Upon reviewing my report, I noticed a conducted credit inquiry, and I can assure you that I never authorized this action. This inquiry was made without my awareness and was done under false pretenses, representing a clear case of identity theft.
Product: Debt collection

filed po report XXXX police dept # XXXX violates my cra inaccurate information causing my credit situation violent communication from debt collection agencies