23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

Order number XXXX. 
Refrigerator not delivered, out of delivery radius. 
Charged for item anyway. 
Cancelled order XX/XX/22. 
Been disputing this with Lowe 's and Synchrony Bank to no avail.

I did not receive the refrigerator and did NOT SIGN for it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Opened XX/XX/year> {$880.00} My information may have been impacted by the XXXX, TransUnion and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information. 

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file.
Product: Credit reporting or other personal consumer reports

I am so confused about your credit bureaus investigation on the accounts, that I am again writing this letter to dispute the fraudulent accounts on my credit report. As you have known, I have submitted the required XXXX report I filed on XXXX XXXX XXXX regarding the fraudulent accounts on my reoprt and upon submission, XXXX and XXXX removed the said accounts on their records. I also contacted the companies associated with these accounts and they said they have removed the accounts, so my question is : why are the accounts still reporting on your bureau? It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. Please have these accounts deleted from my report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase on Kohls.com. Order # XXXX, for {$630.00}. I returned the item with a return label issued by a Kohls  Supervisor on XX/XX/XXXX. The label was for XXXX and the tracking number is XXXX. I received confirmation that the package weighing over 90 pounds was received by Kohls within five days of being sent. I called Kohls a total of 11 times from XX/XX/XXXX to XX/XX/XXXX in an attempt to receive my credit refund on my Kohl 's account. a few of the managers I spoke to at Kohl 's were : XXXX, XXXX, XXXX, XXXX, and the gave me multiple stories my refund would be processed. 

It is now XX/XX/XXXX, and I still don't have my refund of {$630.00}, and I am also requesting all the interest I paid on this return since XX/XX/XXXX, Thank you kindly for your help! 

XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

XXXX XXXX XXXX Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 
This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Money transfer, virtual currency, or money service

I sent money to XXXX on XX/XX/XXXX. The intended receiver ( my boyfriend who is visiting his cousin there ) went to pick it up on XX/XX/XXXX and gave his passport to a MoneyGram agent. After getting his passport back from the agent, he was told that there was a network/internet error and the money could not be given to him. My boyfriend stepped out of the MoneyGram location to ask if I wanted to cancel the transaction but I declined. My boyfriend verified that the money was still available on XX/XX/XXXX. When he returned to the MoneyGram location on XX/XX/XXXX, he was told that the money had been picked up on XX/XX/XXXX. My boyfriend was understandably upset and questioned the agent. He demanded to know who picked it up and what ID was used. My boyfriend accused the agent/MoneyGram of foul play. The agent did not like that and came around the counter and grabbed my boyfriend by his neck and collar. I filed a complaint about the money ( {$1500.00} ) and the physical altercation. I called numerous times and sent emails, only to be given the run around. I asked if the agent was reprimanded. I asked if my money would be refunded. I asked if the cameras could be viewed so the truth can be revealed ( XXXX  cameras are required by law in business establishments in XXXX ). I received a letter saying the case is closed on XX/XX/XXXX. The letter said I can ask for the details of the investigation. I requested the details on XX/XX/XXXX, none have been provided. I am deeply saddened that our money has been wasted and we have nothing to show for it besides a roughed up collar, scratches, and the humiliation. No one should be handled this way physically or professionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Accounts : XXXX ACCOUNT # : XXXX 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate Has violated my rights as a natural person 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

they sent me a letter back saying they are reporting validated information when I look at my credit report I see multiple errors Date opened is INACCURATE XX/XX/XXXX XX/XX/XXXX Date of last payment is INACCURATE XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent Equifax credit report, I noticed credit inquiries that I did not authorize, made by the following companies : INQUIRIES : 1.  XXXX  Date Filed  XX/XX/2015    Type Miscellaneous Utilities Phone Number MAIL ONLY Address  XXXX   XXXX   XXXX   XXXX  MAIL STATION  XXXX   XXXX .  XXXX   XXXX   XXXX  Date Filed  XXXX / XXXX /  XXXX   Type Automobile Dealers, New Phone Number (  XXXX  )  XXXX  Address  XXXX   XXXX   XXXX   XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act  XXXX   XXXX  ( c ) and a serious breach of my privacy rights.   Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number
Product: Checking or savings account

I had an ING account before it became Capital One. After converting to Capital One, I opened other 360 Savings accounts. I am disappointed in learning Capital One intentionally not rolling over customers to their newer 360 XXXX XXXX account. This would have been the appropriate action. Please advise next steps. Thank you, existing Capital One consumer.
Product: Checking or savings account

I was hit with two fees one after XXXX XXXX charged me for a subscription I canceled and reported it to the branch manager XXXX XXXX and he failed to act and got charged a XXXX fee and two XXXX fees for this, and sent him emails, and contacted customer service twice, and for purchase from XXXX and was charged another XXXX Fee and on XX/XX/XXXX, I was overdrafted by XXXX and hit with another XXXX fees. I want all the fees refunded under the XXXX overdraft fee protection act I do not allow my debit cards to cover purchases I do not have the funds for and XXXX for XXXX is highly excessive. The banker also does not respond and fix errors. I also stopped in the XXXX branch and spoke to sue XXXX about the XXXX XXXX and XXXX situation and she also failed to act!
Product: Student loan

I checked my bank account and saw my credit score plummeted, so I investigated and found two student loans that were activated about a month ago in my name, both of which are fraudulent. I do not know the specifics of when they opened or how to reach out to the alleged provider, but the information below is what I can see : DEPT OF ED/NELNET XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I tried calling the above number and it only asked for my social, which I clearly did not give.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 I applied online to open a Goldman Sachs XXXX account, and while online, received a " We've declined your application. We apologize for the inconvenience. At the moment, we can't disclose why your application failed. " I called them several times and each time they advised that I should reapply online. I did so with the same results of being denied. I then downloaded copies of my free credit reports and verified all of my information as correct. 

I called them several times ( the most recent being XX/XX/2018, speaking with " XXXX '' and a credit specialist named " XXXX '' ) and was told each time that Goldman Sachs/XXXX  uses a third party vendor to verify my information. However, they refuse to provide me with the contact info for the the third party vendor or the credit report they allegedly used, and I therefore have no way of reviewing, and if necessary, correcting any incorrect information.
Product: Debt collection

I am writing to file a formal complaint against Midland Credit Management regarding their failure to respond adequately to my validation request, which I submitted in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/2023, I sent a letter to Midland Credit Management via certified mail, requesting validation of the alleged debt they claim I owe, as well as specific information related to the debt. In my letter, I clearly outlined my requests in accordance with the FDCPA, including : 1. Clarification of the nature of the debt.

2. Detailed calculations leading to the stated amount.

3. Copies of documents demonstrating my agreement to the debt.

4. Verification or a copy of any relevant judgment, if applicable.

5. Identification of the original creditor.

6. Proof that the Statute of Limitations has not expired.

7. Confirmation of their authorization to conduct collections in my state.

8. Their license numbers and details of their Registered Agent or Agent of Service. 

Despite sending this letter via certified mail, I have not received any response that fulfills these requirements. Instead, I have only received an invoice or bill from the original creditor, which does not address the specific information I requested as per the FDCPA. 

This lack of response has left me concerned about the accuracy and validity of the debt in question and has impacted my credit report negatively. I believe this non-compliance with the FDCPA and the failure to provide proper validation is a violation of my rights as a consumer. 

I kindly request that the CFPB investigate this matter and take appropriate action against Midland Credit Management for their failure to respond to my valid and lawful request for debt validation. I am also requesting that Midland Credit Management be held accountable for any potential violations of the Fair Debt Collection Practices Act and any other applicable consumer protection laws. 

The amount of debt they claim was {$7100.00} which is reported differently at XXXX, XXXX and XXXX as {$7100.00} I appreciate your prompt attention to this matter and your assistance in resolving this issue. Please do not hesitate to contact me should you require any further information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX. 

Formal disputes regarding inaccurate information on my credit report. 
Dear TransUnion I want to emphasize that I am fully aware of the Consumer Financial Protection Bureau ( CFPB ) lawsuits against XXXX and XXXX for conducting sham investigations and failing to properly investigate consumer disputes. I expect TransUnion to conduct a thorough, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB complaints.
Product: Debt collection

I am a victim of identity theft. I never had a USAA account. If USAA is making the claim that I owe money or even had an account with them then I need the name of the person who is verifying the information. If there is no person verifying this account then the account needs to be removed as its obvious that verification, which is required, was not completed no did the event happen.
Product: Mortgage

This is a matter of a mortgage company failing to perform due diligence. 
Upon receiving my monthly bill from XXXX Gas Company. There was the following notation : '' This Is Your Final Bill. '' I contacted XXXX Gas ; who informed me that Nationstar Mortgage Company requested the gas service to be discontinued! 
I do not have a mortgage with this company ; and I was quite upset with the XXXX Gas for honoring such a request without obtaining any type of verification. After doing some investigating on my own-based on my knowledge of my neighborhood ; I discovered that Nationstar Mortgage Company had foreclosed on a home that had a similar address- except it was Place rather than Street. I immediately contacted Nationstar Mortgage Company. I was instructed to send written notice to their research department- informing them of the obvious error. I sent a letter to their offices located at XXXX XXXX XXXX XXXX in XXXX, Texas. So far, I have not received a reply from Nationstar. 
I was required to obtain a new account number from XXXX Gas Company. i was angry with XXXX Gas due to the fact that they require individual account holders to verify their identity prior to allowing access to an account. Apparently, this process is waived for mortgage companies! 
Today, I found that Nationstar has done nothing to correct their records ; when XXXX men came to my home to take pictures of the " foreclosed house! '' I directed the men to the correct address. So far, they have not returned to my home. 
I am at a lost as to what I should do to protect myself! 
I am afraid that Nationstar will attempt to evict me from my home! 
I have attempted to contact Nationstar by telephone. None of their employees seem to know where to transfer my call, or provide me with any helpful information! 
This company should not have the ability to discontinue a utility without providing the necessary verification of ownership/ right to do so! Additionally, Nationstar Mortgage appears to have a very lax method of conducting business.
Product: Checking or savings account

Bank of America closed my debit account for nothing. I received an XXXX report, which showed the reason : " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. '' I was shocked by the bank 's stuff 's disposition to a client and the level of their competency. A man, named XXXX XXXX owed me money and issued checks. I just tried to deposit them to my debit account XXXX. I do not know what happened after that, but BoA closed my account. What " unauthorized or prohibited '' did I do? During a year I accurately maintained a credit and recently debit accounts. I never committed overdrafts and what I have now? BoA, instead of helping a client to overcome a situation, possibly created by a third party contributes a fake information about me to a consumer reporting agency, making me, a client, a victim. It is unfair business practice.
Product: Credit reporting or other personal consumer reports

I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. Account Name : XXXX Account XXXX : XXXX ..... According to the FCRA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I am not consenting to opening another dispute as your credit bureau has been given more than sufficient and lawful time to do so. In addition I have once again reached out to the reporting company & not to my surprise has confirmed you all are not reporting correctly and refuse to correct these errors. After numerous attempts your bureaus continues to willfully report inaccurate information and has caused credit worthy damage to my credit. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following charge off accounts on my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe these accounts are reporting incorrectly on my credit report. [ Add any additional information here, such as if you've paid off the account or if you don't recognize the account. ] As such, I am requesting that you investigate these accounts and remove them from my credit report if they are found to be inaccurate. 

Please provide me with written confirmation once this dispute has been resolved. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX