23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is an medical collections appearing on my XXXX credit file called Advanced Collection BU. I have reached out to both XXXX and the collections company asking for them to provide proof that this account is mine. The medical collections company has not responded at all and the credit bureau, XXXX, only advises me that the debt has been validated but does not provide me with any documentation to support the account. I am submitting this complaint in the hopes that I can get some kind of response from both the collection company and the credit bureau, XXXX, provide me with documentation to support this account or have this collection account removed from my XXXX  credit file.
Product: Credit reporting or other personal consumer reports

I am sending in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question : XXXX XXXX CARD Date Opened : XX/XX/XXXX XXXX Balance Owed : {$7900.00} XXXX CARD Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4900.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2100.00} -- -- -- -- -- -- -- XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$7900.00} XXXX CARD Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4700.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2100.00} -- -- -- -- -- -- -- TransUnion XXXX XXXXXXXX Balance Owed : {$2100.00} XXXX CARD Date Opened : XX/XX/XXXX XXXX Balance Owed : {$7900.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update these disputed accounts. Please forward me the name and addresses of persons contacted. XXXX ( XXXX ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the accounts must be promptly updated according to Section 1681i ( a ).
Product: Debt collection

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 



NATIONAL CREDIT ADJUSTERS XXXX
Product: Credit card or prepaid card

I'm a victim of fraud and I sued Bank of the West. I was first offered a settlement by XXXX XXXX, which she reneged on.. 

Apparently I'm now being offered another settlement, but, the law firm that Bank of the West hired is too sexist to deal with. XXXX XXXX XXXX XXXX. I don't understand how to talk to a law firm that has all female support staff and the lack of ethnic minorities in management is baffling. 

This level of sexism and discrimination is something that I've never, ever seen. I never even conceived of this situation before now. I don't know what to do. I'm being denied a settlement and am being treated differently because I don't know how to deal with sexism in practice.
Product: Mortgage

Mr. Cooper has Fraudulent business practices they put on their website that is attached to your account your home value, and your home equity. Yet they will not consider such information when handling a pmi removal. I have 53 % equity in my home and my home is valued XXXX more then it needs to appraise for yet they want me to pay for an appraisal, to get pmi removed. Lets add in when they buy your mortgage they make you jump through hoops to keep your auto pay. What mortgage company makes you write a letter and mail it in to keep paying your mortgage. Theres another option for you to cancel your auto pay and re set it up on the website which I did and they still canceled the auto pay. Mr Cooper is a complete scam. They want you to be late on your payment, charge you fees, late fees and appraisal fees.
Product: Checking or savings account

XX/XX/year> : I made 4 reports with unrecognized charges and deposits in my account. 

XX/XX/year> : I received letters with the next update : Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00} ( They deleted those deposits that I reported as not recognized and charged them to my account ) Report # XXXX : XXXX de XXXX XXXX XXXX {$1900.00} ( They deleted those atm deposits that I reported as not recognized and charged them to my account ) Report # XXXX : XXXX de XXXX XXXX XXXX {$1000.00} ( They deleted those deposits that I reported as not recognized and charged them to my account ) Report # XXXX : " We will not credit some transactions '' They refunded me some transactions ( {$4800.00} ) but other were rejected for refund, even though it's the same description of the refunded transactions and with more recent dates. 

XX/XX/year> : I made an extra report, because I saw that they missed multiple transactions that I don't recognize XXXXXX/XX/year> : I received a letter for my report # XXXX saying that the refund was rejected because I authorized them. 

XX/XX/year> ( today ) : Today I called Chase 3 times, asking the reason about my rejections and they told me that based on conjectures they concluded they can't refund me those transactions. 

At the end of the day, trying to report unauthorized charges and deposits ends up affecting my account because they charged me for {$7400.00} dlls ( I'm agree cause that is not my money ), but most of all unrecognized charges were simply not accepted. 

I'm having leasing problems because of that right now and it's not fair
Product: Prepaid card

I called the number on the back of the gift card on XX/XX/XXXX. I was told they needed a copy of the receipt, a copy of my ID, a copy of the front and back of the gift card. After the phone call, I sent all the information that they asked for on XX/XX/2023. The company said it would take up to 45 business days. So I waited and received a email from them on XX/XX/XXXX that asked me to send the receipt as if I did not send it on XX/XX/XXXX. Todays date is XX/XX/2023. I have called on a number of occasions and the information that I requested which was for them to let me know what emails they were able to see that I sent and the company is unable to provide me with the information. I have been waiting for three months for the company to issue me a new gift card because the first one that I purchased was defective. The front of the card only had 12 numbers in the back of the card did not have a security code.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXX collections for {$90.00} and a another one for {$390.00} no full account number no original creditor 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I have a Concora. Credit card, called milestone card, anywhere i tried to use it, the card gets declined, the only purchase I made was at a gas station nothing else was approved, I cant use it at XXXX, or XXXX, or XXXX XXXX, XXXX, however when I got the card, it had XXXX on it, they gave me a XXXX dollar charge that dropped my credit to XXXX dollar.I have to wait 24 hours before I can use it again, and no US support I only get people who are in foreign countries.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by the Bureaus. Despite sending them written letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, they have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : GLOBAL LENDING SERVICE Date of inquiry XX/XX/2021 GLOBALLEND Date of inquiry XX/XX/2021
Product: Mortgage

I am trying to pay with my XXXX credit card and keep being told that they will not accept my payment. This is resulting in me having to pay late fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga. XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Personal Information and Provide Dispute Results Dear Equifax Dispute Department , I hope this letter finds you well. I am writing to request that my personal information be updated on my credit profile and to receive the results of a dispute I filed on XX/XX/year>. Also, I am requesting to have access to my Equifax consumer profile and credit report. 
On XX/XX/year>, I submitted a request for the update of my personal information, including, I have encountered issues accessing my credit profile. The complaint ID associated with this request is XXXX Additionally, on XX/XX/year>, I disputed inaccurate information on my credit report. On XX/XX/year>, I received a response indicating that my credit file could not be located due to an identification issue. I was asked to provide further identification documentation, which I have since submitted. However, I have not received the results of my dispute, nor have I been able to access my credit profile. 
I respectfully request that you : XXXX. Update my personal information on my credit profile as per my original request. 
XXXX. Provide me with the results of my dispute filed on XX/XX/year>. 
XXXX. Allow access to my credit profile. 
Enclosed with this letter are copies of the following documents to verify my identity : A copy of my driver 's license A copy of my Social Security card A recent utility bill showing my current address Please update my records accordingly and send the dispute results to the address listed above or via email at Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus last XX/XX/2022 to correct/fixed these suspicious items. I think you have not validated these items in accordance with FCRA and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXXXXXX XXXX  Account Number : XXXX ; XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXX XXXXXXXX  Account Number : XXXX ; XXXXXXXX XXXXXXXX  Account Number : XXXX ; XXXXXXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2023 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Common Wealth Financial is reporting a fraudulent account on my credit.. 
I didnt authorize anyone to open this account and I am requesting ther removal of this account from my credit.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA is a law that governs access to consumer credit reports and aims to promote the accuracy, fairness, and privacy of personal information. 
Has also been exposed in the databreak and I would like to delete everything off my credit profile for I had no consent of.. 
American Convention on Human Rights : Article 21 of the American Convention on Human Rights states that no one should be deprived of their property or social interest without just cause. It also prohibits usury and other forms of exploitation.
Product: Bank account or service

This is regarding Chase bank. I had my Wallet stolen on the night of XX/XX/2017 I Called the bank at XXXX on XX/XX/XXXX at XXXX to freeze my account. The warning was placed on the account for any suspicious activity. to contact either police or Management if anyone tries to use my Debt card or any Bank transaction. This person went to XXXX XXXX Branch at XXXX and Withdrawal {$1000.00} out of my account I only had {$1100.00} the teller either involved in this or just ignored the warning and cashed the amount without checking the signature and entered my bank account number and wrote the amount on a withdrawal slip and gave him the money. when I called the bank about this incidence they told me to go to any Branch and take care of it. 
I went to the bank and the bank manager filed all the required documents and assured me that my money will be back in my new account within 24 hours cause I was advised to open up a new account. now they are telling me that it will take 30 days before I can see my money. I called their Claims department and the manger was rude to me and told me it is our procedure to go through steps and it will take 30 days before we can refund your money. I even told him that it is your fault and because of it I will not be able to pay my Mortgage and it will show up as late. he said I will not change procedure just one is broken and you have to deal with it. 
Because of my Mortgage will show up as later in my credit. why do I have to suffer for their mistake. everyone I am talking to in ti bank is protecting the teller and I am the victim and I am rudely treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

A complaint was file in 2021 ( see XXXX ). The company removed the item from my credit report but has since reported it, again, causing damage to my credit report. They have continued to update the reporting in order to cause further damage to my credit profile. 



They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the XXXX  Secretary of State that they are registered in Louisiana which is also against the FDCPA! I request that Jefferson Capitol verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX failed to fix error in report. XXXX reported late payment but I had already gone to XXXX Store at XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, CO XXXX XXXX ( XXXX ) XXXX many months prior to close account and then again to talk to store manager to have payment cancelled which he agreed to do. I then sent Debt collector a letter explaining all this with necessary info from XXXX store. Debt collection has not responded.to this letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX
Product: Debt collection

I have been going back and forth. Well Ill say back and back because trans world hasnt been responding to my complaints about this account on my credit profile acct # XXXX amount {$1400.00} this account isnt mine, Ive attached copy of my affidavit as well. Ive mail letters and recieved no response
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up In accordance with the Fair Credit Reporting act 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and unauthorized information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) reporting guidelines. Please see the details below and conduct a compliance investigation promptly. 1. Inaccurate Bankruptcy Information My credit report reflects a XXXX  XXXX bankruptcy opened on XX/XX/XXXX. Upon review, I have found this account to be fraudulent, incomplete, or unverifiable. Under FCRA guidelines, any information that can not be verified or is inaccurate must be corrected or removed immediately. Please investigate and provide documentation verifying the accuracy of this bankruptcy. If verification is not possible, I demand its deletion. 2. Unauthorized Credit Inquiries I have identified nine unauthorized credit inquiries on my report that I did not authorize. Under FCRA 1681b ( c ), credit inquiries require my explicit consent. As I did not initiate or approve these inquiries, they constitute a violation of my consumer rights. The following fraudulent inquiries must be removed from my credit report immediately : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I request immediate deletion of these inquiries as they were reported without my authorization. Additionally, please provide proof of my consent for each inquiry or remove them per FCRA guidelines. Action Requested 1. Remove the inaccurate bankruptcy entry unless verifiable evidence can be provided. 2. Delete all unauthorized inquiries from my credit file immediately. 3. Provide a written response within 30 days, as required by law, confirming these corrections. Failure to comply with this request may result in legal action, as unauthorized inquiries and inaccurate reporting violate federal consumer protection laws. I expect your prompt attention to this matter. Please send confirmation of these corrections in writing to my address above. If you require any additional information, do not hesitate to contact me. Sincerely, XXXX XXXX
Product: Student loan

Not sure of exact dates but I have had student loans since XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECK MY CREDIT PROFILE AND THERE WAS SEVERAL IN CORRECT ACCOUNTS LISTED ON MY REPORT SOME OF THE ACCOUNTS I WAS NOT AWARE OF IM NOT SURE IF A CLOSE FRIEND, CO WORKER OR FAMILY MEMBER USE MY IDENTITY BECAUSE IM USUALLY SAFE GUARDED BUT THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA 'S. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

I have opted out of everything possible with Capital One credit card. However several months ago I was notified that my rewards dollars were now linked to my XXXX account without my permission. I believe that knowing the cash back terms of the account and tracking the dollar amounts each month provides way too much information about my finances ( spending habits, income range, etc. ) for me to be comfortable. So I called Capital One to better understand why they would share my personal financial information with a third party without my permission, and they told me that cash back was not financial information ( cash is not financial? My credit card spending each month is not financial information?! ). So I asked them again to stop sharing my financial information with third parties and that I still wanted to opt out of everything possible, and they assured me that they would comply. Yesterday I received an email from XXXX that my cash back from my Capital One credit card could now be used for XXXX transactions. Clearly Capital One ignored my wishes, and if they are sharing things I explicitly asked them to not share ( and received assurances ), opt out settings/privacy settings are clearly ignored. With all of the identity theft, etc. that is going on, this adds to the consumer 's risk. Laws need to be adjusted such that the default is no information sharing unless explicit permissions are granted, and that these permissions are not a function of service. Financial institutions, social media companies, etc. are out of control, and are putting consumers at greater risk for their profit. And to my knowledge, there are no repercussions for bad behavior. For these practices to become the norm, all it takes are a few good people to do nothing.