23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

after repeated calls to my phone at all times of the day. I recieved a bill in the mail from wakefield & Associates for unpaid hospital charges of a family member who does not live in my household and has not for 25 years. I returned the bill with a written note of this information. Since then the calls come, but are automated so as not having anyone to talk to. It is very frustrating to awake to these calls when you have not done anything to warrant them. I pay the bill but someone else is in control of my phone line to harass me to pay someone else obligations.
Product: Debt collection

XX/XX/2019 Dispute to verify debt with credit bureau XX/XX/2019 Another dispute sent due to no response XX/XX/2019 3rd dispute to investigate the verification process XX/XX/2019 Responded to letter as they have not sent proof to verify the debt XX/XX/2019 Sent letter directly to Creditor and letter was returned to sender as the address they are reporting is incorrect.
Product: Vehicle loan or lease

When I purchased my car I called VW to ask them if for some reason I had to move or leave the country due to work/school, if I would be able to transfer my loan to someone else fully. I was told over the phone that it was not a problem at all. Now I am being told that I would still be listed as the co-owner and responsible. There are too many people giving me different answers and now I may be stuck with a car that I bought based on different information.
Product: Credit card or prepaid card

There are multiple fraud disputes with this account and I have tried resolving this issue with Capital One and they are unable to assist me with this transaction because they are claiming there is no evidence of fraud on this account. 

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} All these transactions was listed as not fraud by Capital One and now I'm told I'm responsible for all these transactions when it was not made by me.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of collections, inquiries and accounts. Accounts opened at XXXX XXXX XXXX  bal. {$1200.00}, XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX. {$1000.00}, XXXX XXXX XXXX XXXX. {$450.00}, XXXX bal. {$240.00}, XXXX account XXXX XXXX XXXX bal {$2200.00}, XXXX XXXX XXXX bal. {$850.00}, XXXX XXXX XXXX bal. {$180.00}, XXXX XXXX XXXX. {$740.00}, XXXX XXXX XXXX XXXX. {$190.00}, XXXX XXXX bal. {$1000.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  date XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX. I do not recognize the aforementioned accounts, collections or inquiries, as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated and removed : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Fortiva Credit Card Company 3 fraudulent charges were charged to my credit card. I called over 60 days ago and reported this. The first person I reported to cancelled the credit card and sent a new one and was going to report the fraud and have it resolved in 30 days. I was told a supervisor would call me, never happened. I heard nothing from them so I called again and got the same run around. 
A supervisor would call and get this taken care of, never happened. Now over 60 days later I called again and they spew the same lies, we will look into this and get back to you in 30 to 90 days. A supervisor will call you. They continue to charge interest on these fraudulent charges, they never let you speak to the fraud department and they do absolutely nothing to resolve this matter. I am contacting the Attorney Generals office and reporting them as a fraudulent credit card company. I have turned the card off and refuse to pay anything more until this is removed from my account. Also they try to charge you for fraud protection.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 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 ) ( 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 that the information is inaccurate.
Product: Debt collection

I have made numerous attempts to resolve this matter with this debt collector. They notified me that they no longer serviced the account, then they later submitted documents from XXXX XXXX that clearly state " THIS IS NOT A BILL. '' They have not proved that I owe these bills, nor that I am the one responsible for receiving these services. 

I filed an identity theft complaint with the Federal Trade Commission in XXXX and there have been numerous unauthorized accounts not created by me. I am awaiting the results of this investigation before filing a complaint in my local courts.
Product: Debt collection

Received a notification of debt on XX/XX/2020 with no proof of debt. Sent a response letter via certified mail, which they received on XX/XX/2020, asking for proof of debt. I have not received a proof of debt, but they did send me another notice trying to collect the debt at a reduced rate. That letter was received on XX/XX/2020.
Product: Checking or savings account

I received a phone call on my cell phone on XX/XX/2022 that had my bank 's logo ( US Bank ) and their phone number. I was scammed out of {$5500.00}. I have attached a detailed description of what happened. I contacted the bank immediately at XXXX am the following morning to file the report. I've filed a report with the police department, and contacted my local bank branch again on XX/XX/2022. They stated they would re-open the claim and I've heard nothing of what has happened with it. Once I received the attached letters I called to ask for the documents used in the investigation and the gal on the phone told me they wouldn't provide me any personal information, and they have yet to send me any investigative documents at all.
Product: Money transfers

On XXXX/XXXX/2016, I loaded {$500.00} to my paypal account at XXXX using Paypal at the register ecash. I paid a XXXX processing fee, so my total payment was {$500.00} which I paid with cash. I have my XXXX receipt, which I also forwarded to Paypal for their investigation. 
The load never posted to my paypal account. Paypal has said that there was a known " bug '' during that day that prevented loads from posting. They said that my case is not unique and this issue affected a number of people. I have called paypal 10+ times following up on my issue. They said that they are working to fix the bug, but nothing has been resolved in 1 month. Two tickets XXXX XXXX & XXXX ) have been opened with paypal for the issue. I repeatedly am told that my issue will be resolved within 48 hours and I will be contacted, but I never am contacted. I have spent more than 5+ hours on the phone with paypal. I would like a refund of my {$500.00} + {$3.00} processing fee for a total refund of {$500.00}. I do n't care if they close my account, I am done using Paypal 's poor service.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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/XXXX and XX/XX/XXXX 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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: Credit reporting or other personal consumer reports

The Consumer alleges IDENTITY THEFT from Data Breach, as XXXX, XXXX and XXXX violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files ; failing to delete inaccurate, incomplete, or unverified information in consumer credit files ; failing to provide adequate written notice to consumers of the results of its reinvestigations ; failing to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failing to follow reasonable procedures to assure maximum possible accuracy of the credit information XXXX reports on consumers. In addition, the complaint alleges that XXXX committed unfair acts or practices in violation of the Consumer Financial Protection Act of XXXX by ( 1 ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes ; ( XXXX ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ; and ( XXXX ) improperly reinserting tradelines into consumer credit reports due to its practice of failing to adequately match newly reported tradelines to tradelines that were previously deleted as a result of a dispute if the subsequent furnishing was from a new furnisher. The Consumer seeks, among other things, to bring XXXX into compliance with the law, consumer redress, and the imposition of civil money penalties. 

Pertaining to the INACCURATE furnished Information by XXXX, XXXX and XXXX of XXXX XXXX in the amount of {$420.00} as well as DEPTEDXXXX in the amount of {$21000.00} which is false representation of inaccurate credit reporting.
Product: Debt collection

I had a {$2600.00} loan with XXXX XXXX XXXX. I have been paying on the loan for at least 4-5 years. The company changed to Cash Call and they began collecting on the loan.The continued to call me in regards to making payments. I attempted to make a payment approximately 2 weeks ago and they refused the payment and they could n't tell me why they could n't collect on the loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian Lawsuit. 

My credit was negatively impacted, hurting my chances at credit after receiving a response to my previous dispute that the accounts disputed were ''verified ''. 

please furnish all proof from furnisher and not the consumer reporting agency or delete the accounts as required by law.
Product: Debt collection

I received a call on XX/XX/XXXX that I owed a medical bill for XXXX Hospital from XX/XX/XXXX. This was a workman 's comp claim and I was not responsible for the bill. I had called XXXX Hospital in XX/XX/XXXX and gave them all the information for the workers comp carrier to bill. I continued to receive bills from XXXX in XXXX, XXXX and XXXX. I called XXXX every month and gave them the workers comp info to no avail. In XXXX I received the call from Grimley told them it was a workers comp issue and the man I spoke to was not nice on the phone. I told him not to contact me again and not to send any letters as this was not my responsibility. On XX/XX/XXXX I received a collection letter. I called XXXX hospital on XX/XX/XXXX and told them again this was not my responsibility. They said that they had spoken to XXXX and would be billing them and they had recalled the account from Grimley. I then called Grimley on XX/XX/XXXX to advise them that this was a workers comp issue and XXXX was going to recall the account. I asked them to not contact me by phone or mall again. The woman that answered the call never gave me the mini miranda or identify herself. When I informed her of the situtation she was very rude and hung up on me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, XXXX 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, XXXX '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 I want the XXXXXXXX XXXX XXXXXXXX XXXX  account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are some of the accounts : XXXX automated collections XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX and # 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 ( b ) section 604 section 2 a consumer reporting agency can not furnish a report without my written consent. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

Recently, I have noticed the reappearance of negative accounts that had previously been removed, including late payments that are well beyond the seven-year reporting limit. Additionally, there are accounts listed on my report that I do not recognize and believe may be fraudulent or inaccurately attributed to me. Given the recent breach involving Social Security Numbers allegedly accessed by DOGE, I am deeply concerned that my personal information has been compromised, potentially leading to unauthorized activity on my credit file.
Product: Credit reporting or other personal consumer reports

I have a few hard inquiries that i do not recognize nor did i give permission to happen. 

Ally financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There are some derogatory collections on my XXXX, XXXX, and XXXX, consumer report. All of the debts are at least XXXX yrs old or more. XXXX company continues to report the wrong information. when asked to verify the accuracy of the accounts ( XXXX date delinquent, date account was opened. There is no accurate response. These are all unfair practices of this company. XX/XX/XXXX, I paid creditors off because I was trying to purchase a house. After I paid everything, my credit begins to increase. But in XX/XX/XXXX the collections emerged after years of no communication and being closed and charged off by grantor. They begin to post dates and amounts on the accounts that were not accurate. I requested verification for the date account opened, XXXX date acct became delinquent, original creditor info and when was account purchased. They have begun to post every month that I have been missing payments when the acct has no verified history. Now my credit is taking a big " XXXX '' all because of this company 's negligence. Please help me remove this information. Thank you.
Product: Mortgage

Ameris bank is not applying payment for Mortgage Reinstatement plus three months of additional payments to my mortgage account # XXXX payed to them by the GA HAF program on my behalf processed XXXX They claim to have received notification that I was approved for payment but not the payment itself. I contacted the GA HAF program after seeing the payment sit in the processed status for over one month and Ameris Bank nor the GA HAF program could tell me where the payment was and why it had not been processed completely. The GA HAF underwriter XXXX XXXX finally had the accounting department check the payment and they stated Ameris has two divisions a retail and a DVI division they made a mistake and sent the payment to the retail division. I wondered how could this happen with both sides talking to each other directly and Ameris verifying my account info with GA HAF via a XXXX How could this go on over a month and not get corrected? As a result Ameris continued to report negatively on my credit report even though they knew about this payment. They also engaged in negative reporting while I was in Covid forbearance and also reported negatively while I was in loss mitigation with an agreement not to report negatively on my credit. As a result of all this negative reporting some of my credit accounts has been closed and some reduced in credit. The GA HAF program underwriter said the funds had to be sent back to them and resent to Ameris. The Ga HAF program resubmitted the funds on XXXX back to Ameris DMI the correct division. To date Ameris has not updated my account to show this payment reinstating my mortgage account with the next due date of XX/XX/XXXX reflecting the three advanced payments. I have reached out to XXXX XXXX for assistance to see if they can with their mortgage servicer but Ameris continues work against me. Negative credit reporting when they should not due to forbearance or loss mitigation, Late response to mortgage assistance application, and not applying GA HAF mortgage assistance payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Balance Owed : {$1200.00}
Product: Credit reporting or other personal consumer reports

Ava Finance Inc. 

This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accounts Ava Finance Inc Account # XXXX Account # XXXX for violation of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXX, Ava Finance Inc. is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )