23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A collection agency, which I have never heard of or from, has reported negative information to the major credit reporting agencies and has lowered my credit score. 
How can a business do that without contacting the person they claim are owing the debt? 
The debt is from a payday loan company that I have never heard of so I am curious how I can be in collections for something I know nothing about. 
Imagine the surprise when I found this unpaid debt on my credit report just out of the blue. 
CFPB is asking for me to attach any supporting documents. How can I do that when I have n't heard from either party. haha
Product: Credit reporting or other personal consumer reports

It is now XXXX days that i have contacted Experian to remove the inquiries that i did not authorized
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts associated with my complaint are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed out of {$500.00} on XX/XX/2022 through my wells Fargo app and the XXXX  link to my account. Wells Fargo is not covering the scam even though they know for a fact I was scammed. The side an investigation and concluded that they did not have to cover the scam charge. This is unacceptable behavior from and institution that supposed to take care of it's customers when they have been scammed.
Product: Checking or savings account

about 7 months ago my checking acct ending in XXXX at bmo harris bank in XXXX  XXXX, illinois XXXX received {$1000.00}. from somewhere. i tried to find out who had sent the funds but could not. over the next few months I spent the {$1000.00}. in about XX/XX/2021 my bank received a federal complaint that some lady sent the {$1000.00} to my acct by error, the harris bank agents arbitrarily froze all my accounts I had with them. This freezing of my accts at bm harris caused substantial numbers of my checks to bounce etc. resulting in substantial penalty fees such as returned check fees, overdraft fees etc, I am still paying for those arbitrarly frozen accts and their returned check fees etc. the m harris bank also arbitrarily withdrew the supposed {$1000.00} from my acct as well w/o consulting me or even investigating whether this {$1000.00} was actually sent to my acct in error or possibly simply to cause me financial problems such as overdraft fees etc i am a senior citizen, XXXX yrs old. and on a limited fixed income.also, i had to take early retirement from my teaching job due o an accident possibly a " hit '' because I called the illinois child abuse hot line .i believe I was unnecessarily charged substantial returned check fees etc amounting to about {$2000.00} per acct at bmo harris bnk . will you please help me recover those fees resulting from bmo harris employees arbitrarily freezing my accts causing substantial extra returned check fees etc and returning the {$1000.00} taken from my acct w/o asking me or properly investigating who this lady was, her motivations etc.. e
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights for the amount of {$770.00}. 

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Product: Checking or savings account

On XXXX XXXX, 2017 I wrote a complaint to you guys for charges deducted from my account for items or charges never authorized by me, Wells Fargo respond saying that they will investigate the charges and after numerous phone calls to clerks or what they call specialist they have no conducted a fair investigation that have a lot to think abaud how Wells Fargo conduct business. Last time I call I request to speak to a supervisors and they told me that they call me back in 24 to 48 hours as of today I still waiting for the return phone call, They talk me that they received proof of my charges, I request that they can send me those charges and compare my signature if they have something and they never send me the proof that they received. I 'm a XXXX years old man trying to fight this monster call Wells Fargo that the thieves have more credibility than a customer for the last 40 years. 
I will like to take this complaint to highter level and alto take Wells Fargo to small claim court because if they can not give me the proof maybe they can provide to the court.. 
Is very difficult to defend went you do n't have nothing. The thieves or crooks they did't left me a backup to present to the Bank. 
This is the second complaint about this matter and hope Wells Fargo can do their job. 
If they can prove to me that I authorized those charges I do n't a problem paying for service that I received but ca n't pay for service that I did n't received. 
I hope you can intercede to resolve this matter and I 'm attaching the only documents that I have. 
Also request that they call any car rental in XXXX XXXX for a week rental so that they can compare those charges. Normally they charge between XXXX to XXXX. 
If you need more information please call me at XXXX
Product: Mortgage

Back around XXXX I received a letter or notice stating my mortgage was past due by about 3 months. I did n't agree so I called and explained the situation. I was given a fax number to fax all supporting documentation over to and I sent it over several times, finally getting a designated representative to help me. XXXX payment was adjusted and corrected to my account, but XXXX was still showing one more month past due then my records showed. Just as the rep was doing the research and helping me get to the bottom of it, my mortgage was sold to Ditech in XXXX of XXXX. Since then, I have called and repeatedly faxed all the documentation and explanation to Ditech but no one calls to help me. They send me letters showing a payment history since XXXX of XXXX, which is when Ditech took over. This issue goes back much farther back into XXXX. I just got a foreclosure notice saying I owe {$7000.00} and that is not correct. They gave me til XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account XXXX : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, authorized a dispute regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. I discovered several inaccuracies and violations on my credit report, which I am now addressing with the relevant parties. 

Here are the key issues I identified : Willful Noncompliance ( 15 USC 1681n, FCRA Section 616 ) : Credit information about me was accepted without verification, which is a willful violation of the law. This could result in civil liability of up to {$1000.00} per violation.

Failure to Disclose Opt-Out Rights ( 15 USC 1681a ( d ) ( 2 ) ( A ), FCRA Section 603 ( d ) ( 2 ) ( A ) ) : My right to opt out of sharing personal information was not disclosed to me, which violates my consumer rights under the FCRA.

Furnishing Inaccurate Information ( 15 USC 1681s-2, FCRA Section 623 ( a ) ( 3 ) ) : Several accounts and inquiries were reported inaccurately and without proper validation, violating the principles of accuracy and fairness in credit reporting.

Debt Collection Violations ( Fair Debt Collection Practices Act, 15 USC 1692 ) : Debt collectors reported inaccurate debts and contacted third parties about them without my consent, causing unnecessary harassment and distress.

Inaccurate Reporting of Late Payments ( 15 USC 1681c ( a ), Timely Payment Regulations ) : Late payments were reported without a clear definition of what constitutes " late, '' leading to misleading and inaccurate information.

Failure to Accurately Determine Finance Charges ( FCRA, 15 USC 1681e ( b ) ) : The credit reporting agency failed to accurately calculate finance charges, which is their responsibility.

Unauthorized Hard Inquiries ( 15 USC 1681b - Permissible Purposes ) : Several unauthorized hard inquiries were made on my credit report, violating the FCRAs provisions on permissible purposes for accessing consumer reports.

As a result, I have requested immediate action to correct these violations, including the deletion or updating of inaccurate accounts and hard inquiries, as well as compliance with the FCRAs requirements for consumer rights and dispute procedures. I have demanded that all inaccurate information be removed from my credit report, and I expect a prompt response. If the issue is not resolved, I will pursue legal remedies available under the FCRA.
Product: Payday loan, title loan, or personal loan

Financing terms of loan/line of credit include deferred interest, waived if the total balance is paid in full before the end of the promotional period. No payments are due during the promotional period. 

However, the statements provided ( I just received my first one ) are confusing - they show " interest charged '' with such interest amount included in the " New Balance ''.

There is a box in the middle of the statement that states if the current pay off amount ( which is the New Balance less the interest charged amount ) by the promotion expiration date, the total interest charged plus any additional accrued interest will be waived. 

While I personally know that I am technically not being charged the interest unless I do not pay the principal balance in full before the end of the promotional period, I fear that this confusing presentation of the information may cause unsuspecting consumers to think they need to pay the total new balance amount, which includes interest.
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. I told XXXX, XXXX y equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to human trafficking-related debt bondage, which qualifies as trafficking under the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). 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 am a XXXX XXXX XXXX XXXX  and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXXXXXX XXXX XXXX Balance : {$48000.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$120.00} - Account # : XXXXXXXX XXXX  - Balance : {$7500.00} - Account # : XXXX XXXXXXXX XXXX - Balance : {$990.00} - Account # : XXXX XXXXXXXX XXXX XXXX  Balance : {$4900.00} - Account # : XXXX
Product: Debt collection

Did not receive any paperwork or phone calls concerning my debt being garnished from my paycheck from a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   is reporting a collection account to all credit bureaus as a collection account that 's in the status as open, it 's also reporting a high balance as {$10000.00} and a balance owing of {$16000.00} and the balance goes up each month ... How is this possible when the account is supposedly a closed collection account
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while checking my credit report I discovered that there are several inquiries on my report that were not authorized. This is a request for proof of contact to these companies authorizing them to run a credit report on me. Please provide me with a certified copy of any documents where I authorized the following companies to run a credit report on me : Equifax XXXX XXXX Bank XX/XX/2019 Equifax XXXX XXXX XXXX XX/XX/2019 Equifax XXXX XXXX  XX/XX/2019 Equifax XXXX XXXX XXXX XX/XX/2019 Equifax XXXX XXXX  XX/XX/2019 Equifax XXXX XXXX XX/XX/2019 Equifax XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX Auto Finance XX/XX/2019 TransUnion XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX Auto Fin XX/XX/2019 Experian XXXX XXXX  XX/XX/2019 Experian XXXX XX/XX/2019 Experian XXXX/XXXX  XX/XX/2019 Equifax XXXX XX/XX/2019 Equifax Fcc XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XXXX  XX/XX/2019 As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.
Product: Debt collection

I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from XXXX XXXX XXXX  which dropped my score. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
Product: Credit card or prepaid card

On XXXX2017, I visited the XXXX XXXX ( FL ) XXXX XXXX XXXX. It smelled like feces, had a broken bed, 1/2 '' of dirt on the baseboards, and a toilet which did not operate properly and flooded all three rooms of the hotel/motel unit. At checkout, I was refused any credit for the problems/inconvenience. I called Elan Financial, as the card issuer of my Fidelity Signature Visa Card, complaining of the poor quality service and lousy hotel/motel operation.
When I returned home I was notified that I was not permitted to file a complaint since, " The purchase must have been made in your home state or within 100 miles of your current mailing address ''. Since I live in XXXX, MA, my right to dispute the transaction ended as I drove through Rhode Island. Additionally, I immediately realized that Elan Financial will not cover any of my Internet transactions from XXXX, XXXX, or XXXX.
I believe this limitation by Elan is unfair and deceptive. If Elan Financial does not allow the dispute of transactions beyond a 100 mile radius, I believe its ability to conduct sales transactions and business should also be limited to each cardholders " home state '' or the stipulated 100 mile range.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX multiple errors and so inaccurate... balances and dates are totally off... therefore according to 15 USC 1681 THE credit bureaus have the responsibility to report maximum possible accuracy of the information concerning the individual about whom the report relates otherwise the report is invalid so please delete it thank you. or pay {$1000.00} fine per violation
Product: Credit reporting or other personal consumer reports

My account with AMEX was never late! I have had exceptional payment history with AMEX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2023 to XX/XX/2023 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


AMEX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I was scammed out of {$850.00} via XXXX and Zelle on XX/XX/XXXX. I have been trying to work with XXXX  bank to get the money back, but have not had any luck. 
I saw the ad ( attached ) on XXXX, XXXX ID XXXX, and inquired about the XXXX tickets ( {$850.00} ) for the XXXX vs. XXXX game on XX/XX/XXXX. I left my phone number via email and the person called me from a XXXX number ( XXXX area code ). He said he would send the tickets as soon as payment was sent. I sent the payment to a secondary number via Zelle that he provided and no tickets were ever transferred. I tried calling the number back and it doesnt exist. I believe it was one of those text/ mail numbers that can be deleted. 
The secondary number is connected to a bank account as the money was sent through Zelle. The name and phone number and email are : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX Any help would be appreciated as these tickets were for my dads birthday and now I am out {$850.00}. 
Zelle and XXXX Bank said they can not refund the money as the transaction was authorized.
Product: Credit card or prepaid card

On Tuesday, XX/XX/2023, I was hit with what seemed like hundreds of spam emails saying my email address was used to sign up for random accounts around XXXX XXXX. One of the emails was from XXXX saying there had been a credit check under my name. I thought it was a scam until I received another email later in the evening saying that the XXXX XXXX XXXX XXXX XXXX I applied for ( but I did not apply for this card ) has been shipped. I called the American Express fraud line to report that I did not enroll for this card and explained the hundreds of spam emails I received earlier in the day. The customer service agent said they will open an investigation into it. Today, Wednesday XX/XX/2023, I received a notice saying that XXXX  will be delivering the card via Next Day Air Saver at my old living address, which was my parent 's house. My husband stopped by and retrieved the package which contained the credit card. I'm still waiting to hear back from American Express regarding the investigation into someone fraudulently signing me up for a credit card that I had no intention of applying for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In college I lost my wallet, where as obviously I became a victim of fraud, when trying to report it, I was told that they were too busy fighting real crime. However, I did not pound on it until I checked my credit report. I have un- identified items on my report. The following are in dispute as of now, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX, according to the FCRA law, these items shall be removed if the consumer like myself is not provided with physical documentation. Not just the credit agencies, I have the right to view any physical verification as well.
Product: Debt collection

Date of last activity was XX/XX/XXXX, and account was closed on XX/XX/XXXX. 

These people have no legal right to contact me and/or attempt to collect on a debt I do not owe.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

inquiries not mine not authorized