23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After complaining this company has destroyed my credit by reporting fraudulent debt and as a direct result my ability to gain employment and healthy credit has been destroyed ; they have began reporting this fraudulent debt every week and or biweekly knowing the debt is NOT mine. They continue to re-age the debt. The original creditors agreed to remove this debt due to identity thief over ten years ago but sold it after charging it off. This is NOT my debt. Please see proof of their tactics used to destroy my credit my score has dropped 80 points as a direct result of this fraudulent reporting.
Product: Credit reporting or other personal consumer reports

I received a copy of my ChexSystems record and I have found several inaccuracies in the report. 

Account abuse of the following account : Routing # XXXX Account # XXXX Under FCRA 15 U.S.C Section 1681i, I have the right to request deletion of inaccurate or unverified information located inside of my consumer file. You understand that providing inaccurate information to creditors seeking my report is damaging to my reputation and creditworthiness. Therefore, I am asking for immediate deletion of these accounts from my consumer file OR the documentation in which you used to verify that these items are accurate. Be advised, I am NOT seeking a generic statement saying that these items are verified. I am requesting undeniable, irrefutable PROOF that the alleged accounts are verified, validated or accurate.
I understand that your repository is required by law to begin an investigation for me because you are a credit-reporting agency and must follow the Fair Credit Reporting Act. I await your results.
Product: Credit reporting or other personal consumer reports

Hard inquiries are suppose to be removed after 2 years. XXXX  XXXX XXXX has been there for over 2 years.
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 Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 four 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 inquiries listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, XX/XX/XXXX, my request for my consumer file has not been provided nor have I received a response to my complaint submitted on XX/XX/XXXX ( see attached ). As a reminder pursuant to 15 USC 1681B, any account that a credit reporting agency continues to report without being able to substantially validate is a direct violation of my rights listed through the FDCPA and FCRA both together and separately. Equifax is intentionally and willfully neglectful in remedying my affairs as they confirmed that they do not have any substantial proof of evidence for the below-mentioned account to be able to legally furnish the account on my consumer report. As a reminder, I am not requesting a dispute.15 USC 1681 e ( b ) assures that I am due, and promised accuracy in my report based on federal law. 15 USC 1681 I ( A.5 ) says that after are investigation all unverified information must promptly be removed. This will be my final demand for Equifax to remove the account XXXX XXXX XXXX XXXX - XXXX from my consumer report immediately. Otherwise, I will proceed with seeking legal action.
Product: Debt collection

They have collected for over 10 years and never applied any amount to principal. They only applied to interest and fees. How is this possible?
Product: Credit reporting or other personal consumer reports

understand my frustration and confusion regarding the closure of my account with GRIDXXXX  last year. After paying off the necessary amount, my account was closed on XX/XX/2022. However, upon checking your credit report, I noticed that all my credit scores have significantly dropped due to an inaccurate report. This has had a tremendous impact on my credit. I kindly request you to immediately remove this inaccurate and improper information from my credit report. This situation is unacceptable in every sense, especially considering the fact that I haven't engaged with GRID for years. Out of nowhere, I am now being informed of an account balance of {$240.00}, which I have never received from GRID.
Product: Credit card or prepaid card

In XX/XX/XXXX, I received a bill from Genesis Credit Card Service for a purchase made in the amount of {$1000.00} made at XXXX XXXX on XXXX XXXX. I contacted Genesis to report a fraud charge because I did not make this purchase, at the time I was at work in Connecticut which proof can be shown as I work for a XXXX  XXXX. Also my XXXX credit card was closed in XX/XX/XXXXwhich is state on my credit report nor is this new credit card they opened is on my credit report or history. Genesis opened a case, the company responded with a letter in XX/XX/XXXX with details of who made the purchase, their ID information. My XXXX name is XXXX XXXX who resides in Connecticut the person who made the purchase is XXXX XXXX who provided a Georgia ID. Though are names are similar, these are two different individuals. I tried to explain this identity error to Genesis that the person opening the credit card for XXXX XXXX used an existing credit card profile ( basic details such as address and phone number ) that I had at XXXX which was closed back in XX/XX/XXXX. There is a mixup because when I call Genesis and provide my social security number, no details of purchase shows up on my name however i keep getting the bill and debt collection call. If the person working at XXXX did their due diligence in verifying the details while opening a credit for a new person this would not have happened and I need this issue resolved as Genesis seems to be uncooperative to understand the issue at hand. I spoke to an account manager there and he was very ignorant saying XXXX XXXX is short for XXXX XXXX. This is not the case because these are two different individuals, and the managers assumption failed him to provide decent customer service. I need this identity credit card profile mixup resolved asap because I have proof of my identity and I did not make this purchase. They sent me a credit card that isnt mine and added my address and phone number to the wrong indivdual. If this isnt resolve I will contact a lawyer.
Product: Money transfer, virtual currency, or money service

My Employer sent my salary last Friday XX/XX/2021, up until now Xoom failed to deposit the amount tgat usually takes 3 hours to deposit. They said they are upgrading their system. But who is upgrading their system for almost a week now. My employer is trying to call them like a hundred of times already but nobody answers. Please help us.
Product: Debt collection

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX  XXXX and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX {$49.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the CFPB on XX/XX/2017 regarding the company HP Sears reporting inaccurate information to the 3 major credit bureaus. The complaint number is XXXX. 
The company responded the following on XX/XX/2017 : Our records indicate that substantiation of the debt was mailed to you XX/XX/2017. On XX/XX/2017 our client close your account with our office do to non payment of the debt. We sent all three credit bureaus instruction to delete this matter from your credit history on XX/XX/2017. We have verified with XXXX that this is not on your credit history any longer. If you have ran your credit report and this item still remains please contact our office for further assistance with the removal. 

The reporting has since returned back to my credit file with the credit bureaus. 
I am requesting that all references to this account be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
Product: Checking or savings account

XX/XX/XXXX to me at the time, my account at chase bank was closed in XXXX of XX/XX/XXXX. They never notified me. I was unaware that the IRS had made stimulus deposits to my account and account was closed. Last year I contacted IRS and was told they deposited funds to my account and they were not returned by the bank. I now know other funds were deposited including my XXXX benefits as of XX/XX/2021 and where is that money? XXXX XXXX my aunt accompanied me to chase bank as I am deaf and need help communicating. They concluded the funds were in suspense ( a little more than {$3000.00} ) and told us to contact the fraud hotline which we did. They directed us to provide XXXX forms of identification to the local bank and they would release the money. It would up to XXXX business days we were told after I provided the ID. So I should have received y money before mid XXXX. As of today I have not received a XX/XX/XXXXand when we last called, we were told the money was returned to the IRS. Well not all the money in the account was deposited by IRS. Please note that we also called mid XXXX and were told a check had been mailed XX/XX/XXXX or was it XXXX. The next time I called they indicated they had no documentation of that call. Very odd. These XXXXXX/XX/XXXX I want them to outline every transaction they took on my account as of XXXX. I want the info in writing and an explanation as to each transaction they took.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$16000.00} Open Date XX/XX/XXXX inquiries XXXX XXXX, XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Consumer Loan

I requested a personal loan to Loan Me Company for XXXX, at the time that I requested I have a emergency and I needed the money right away, I was very desperate that at the moment I did n't think about how high was the loan interest, which 144 %, and now I struggling to make the payment on time, is hard for me now because besides this high interest and high payment loan I have another payments, and another basic expensive that sometimes I end without no money left.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX bank I have not applied for this credit card very confused on why the date of the inquiry is XX/XX/XXXX also this account is not on my XXXX or XXXX credit report. 

Both XXXX card services didn't know what this card service is and definitely haven't applied for the services in over two years. Also this account is not on my XXXX credit report. 

XXXX account has two different dates Transunion report XX/XX/XXXX, XXXX XX/XX/XXXX, and also not on my XXXX credit report. 

XXXX account is only my XXXX credit report. It is not reported on Transunion or XXXX report. 

XXXX was a credit card that I had however I paid off the account and its a closed account. Not sure why its only on my XXXX credit report and also why its a hard inquiry.
Product: Credit card or prepaid card

I have been a Care Credit Card Customer for several years. I have excellent credit. I always made my monthly payments on time. Was going to use my credit card. Found out it expired in XXXX of 2021. They didn't let me know or sent me a new card. I tried several times both online and thru the phone to renew my card. They denied me every time. Didn't give me a reason why. This is the first time ever I have been turned down for applying for a credit card. This is poor customer service. And discrimination. I applied for another credit card with a different company. Got approved right away. They lost a customer and will lose more. I am spreading the word.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failure to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of the throughout investigation. These practice violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a responsible investigation of disputes. Furthermore, Equifax actions may also contravene The Consumers 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 actions to ensure Equifax complies with federal laws and provides consumers with the necessary proof of investigations.
Product: Debt collection

My daughter was seen by XXXX XXXXXXXX XXXX XXXX I never received a bill so i assumed it was taken care of by insurance. I didn't receive any notification about a balance via mail or email until i received a letter today from Bull City Financial Solutions that they were trying to collect a debt of {$150.00}. I can assure you, if i received a medical bill in that small amount, I would have paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I have an account on my report. The name is XXXX It states that was opened in XX/XX/XXXX I keep trying to dispute this account due to erroneous information on it ( dates, amount, status, last activity ) and have no luck with the credit bureaus. My requests are coming back updated! I believe that computer system that they have is trying to take information from another bureaus, but it doesn't make it truthful. 
This account shows last payment in XX/XX/XXXX. This is completely lie, I didn't even know this account exist on my report until recently. I am trying to rent apartment, that's why looking at my report right now and I am very frustrated about mistakes and inability to fix the problem with the bureaus due to their fake re-investigations. 
I have read FCRA law and understand that it's violation of my consumer rights. 
Please help me fix this problem. I will attach a copy of this account on my report and copy of credit bureau response. If you need additional information or proof of my identity please contact me. Thank you.
Product: Debt collection

I was alerted to a change of a negative report on my credit report. I discovered that National Enterprise System ( NES ) re-parked/parked a debt from a previous report from XXXX  XXXX XXXX/XXXX. So they reported a debt already reported which affected my credit score. 

I never received any notice of the debt. No letter or correspondence and I was unsure what the debt was for. 

Also, they indicated that account was for an attorney. However, this is a zombie debt which became legally uncollectable XX/XX/2019. 

When I discovered the debt around late XXXX was on my credit report, I sent a certified letter to NES providing : 1. I never received any communication about this debt and I wanted more information about it. 
2. I asked who was the attorney or law firm that the debt was being collected for in light of NES providing this was an attorney seeking the debt on the credit report. 
XXXX. Because I was activated for XXXX XXXX, I was protected under the SCRA so I asked for information on the interest rates since it was unclear why I owed the money. 

NES responded and provided nothing I asked for except the copy of the promissory note. 

I paid the amount regardless to settle but I was not provided the Initial G information, I was not provided a breakdown of cost outside the principal amount per Washington Law, this debt was parked/re-parked and I received a negative credit report for a debt that was already posted since 6 years ago, NES filed that an attorney was the account holder when there was no legal consequences especially with Washington 's new law that provides payment of a time barred debt does not re-age the debt or makes it active again, and the debt collector did not provide me any information on the interests rates charged to insure my SCRA rights were not violated. 

So I am unsure what the final amount negotiated involved, and NES in its collection efforts indicated that they were contact with the original creditor and they needed their approval of the settlement yet the credit report shows that the prior creditor of the account was paid in full.
Product: Credit reporting or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 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.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - XXXX XXXX XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. The following personal information is incorrect Account Number : EMPLOYER : SELF EMPLOYED- RECORDING 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX Dealership ( XXXX XXXX, CA ) and Ally Bank was my financier. It was a 3 year lease that began XX/XX/XXXX and was payed in full by XX/XX/XXXX. This was before the contract end date of XX/XX/XXXX. I turned in the vehicle on XX/XX/XXXX and received all assurances from the car dealership ( XXXX XXXX XXXX - XXXX XXXX, CA ) and Ally bank that I was done with payments and that I had fulfilled my end of the lease agreement. However, the following month on XX/XX/XXXX {$280.00} was mysteriously deducted from my bank account by Ally for the leased vehicle I had turned in a month earlier and paid off almost two months prior. I called Ally and after a while they admitted the deduction was taken in error, but would not agree to refund the money back to me. They stated I had to wait until the car was auctioned to get my money back - the money they took in error. This was never explained to me and furthermore, how am I linked to a lease vehicle until it is auctioned. This was never stated in my contract. Would never ever lease the vehicle if I knew this was a condition of the agreement. We are in the midst of a global pandemic and I can not afford to lose {$280.00} whenever Ally decides and then refuses to return to me. I also do not want to be linked to this lease any longer. No one at Ally can explain to me why and how I can formally and fully relinquish ties with this lease. Please help. 

All Correspondence with Ally Bank : Calls / Case Number : # XXXX - Spoke to XXXX # XXXX - Spoke to XXXX # XXXX - Spoke to XXXX XXXX / Case Number : # XXXX # XXXX Called XXXX - Executive Customer Relations, Ally XX/XX/XXXX - Voicemail XX/XX/XXXX - Voicemail
Product: Credit card or prepaid card

I signed up for an American Express XXXX Card. The offer was spend {$4000.00} in 3 months to get the bonus points. I met the spend in about 2 months and now AMEX is saying they won't pay out the bonus because I : either had this card before. ( I absolutely did not have this card before ) I closed other cards with them ( How is that relevant? I have spend over 30K with AMEX cards this year. They have been able to make their fee on each transaction. ) This is misleading / false advertising. The rules were simple. Meet the spend, get the bonus. 

Please hold them accountable. 

I have attached the statement showing the bonus was hit and the points were put into pending status.