23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX sent me a letter stating that they were reporting inaccurate information and would send an update to modify my credit file. XXXX XXXX stated, " XXXX XXXX made the business decision to remove the account. There will be no further collection activity, creditreporting or sale of this account. In addition, the XXXX credit reporting agencies havebeen notified to delete all reference to the account in question from your consumer creditfiles ''.
Product: Debt collection

My wife and I have a medical debt that is currently being held by IMC Credit Services. One of their employees by the name of XXXX XXXX used his personal cell phone to contact my wife in connection of this debt. His number is XXXX. This communication tactic was intentionally misleading and violates the FDCPA. XXXX XXXX also utilized IMC Credit Services business line to contact my wife at her place of employment, and cell phone. I had previous correspondence with this agency and made a verbal request on a recorded line to only make verbal communication through my cell phone number, which they failed to do on several occasions.
Product: Credit reporting or other personal consumer reports

CFPB, Equifax still has my name listed wrong under my identification on my consumer report. I use 2 names ( XXXX XXXX, XXXX XXXX XXXX. My full name is XXXX XXXX XXXX.I will have my Driver 's licenses Attach d for proof. All so XXXX  needs to correct my personal information too I only go by XXXX XXXX XXXX, XXXX XXXX. All those other names need to be removed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery 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. The account I am inquiring about is national credit systems
Product: Checking or savings account

I have received several per the hard inquiries list ( some repeating in less than 3 months! ). Nos related to a XXXX reporting score on XXXX in some reporting databases as XXXX per there site shows XXXX. No one is a XXXX with all bottom ranges of scoring between XXXX. I have no derogatory marks. This limiting dishonest reporting and behavior has landed me with minimum credit offerings at 36 % usery! I'm paying {$170.00} a year times two for the right to be used now! Salesman of the year! I protest on this sick libelous game that was just transacted upon me by reporting my score a XXXX anywhere! Criminal actions against my name and I have no other options this is an outrage!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

ubject : Method of Verification Request for Disputed Account Dear Sir/Madam, I am writing to dispute the accuracy and validity of an account listed on my credit report. According to my records, the account in question does not belong to me, and I am requesting that you verify its accuracy as mandated by the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ).

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX I am well aware of my rights under the FCRA XXXX which requires credit bureaus to investigate and verify the accuracy of disputed information within a reasonable timeframe. As such, I am formally exercising my rights and requesting that you provide me with complete and thorough documentation that supports the validity of this account. 

To ensure a fair and comprehensive investigation, I kindly request that you provide the following information : Verification of the Creditor : Please provide documentation proving that the alleged creditor, as listed on my credit report, is legitimate and that a valid contractual relationship existed between myself and the creditor.

Verification of Account Ownership : Please furnish documented proof establishing my ownership and responsibility for this account, including any signed agreements or contracts bearing my signature. 
Itemized Account Statements : I request copies of all account statements, including the original and subsequent statements, indicating the transaction history, balances, payments, fees, and any other relevant information pertaining to this account. 
Chain of Custody : Please provide a complete record of the account 's ownership and any transfers or assignments of the debt. This should include any supporting documentation demonstrating how the alleged creditor obtained the account information. 

I understand that under the FCRA, the credit bureau has a legal obligation to investigate my dispute within 30 days of receiving my request. Additionally, I kindly request that you inform the original creditor of my dispute and provide them with a copy of this letter, as required by FCRA Section 611 ( a ) ( 2 ) ( A ). Please be advised that any failure to comply with my request and obligations under the FCRA may result in legal action to protect my rights. I have enclosed copies of relevant documents supporting my identity, including a copy of my driver 's license and a recent utility bill, to confirm my identity and ensure accurate processing of this dispute. Thank you for your prompt attention to this matter. I expect a thorough investigation and a timely response within the required timeframe. Please send all correspondence regarding this dispute to the address listed above. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, sent letter to Trans Union via certified US mail with the following statement ( that I asked to have placed on my credit report per FCRA re : incorrect info posted by creditor XXXX. ) My statement read : " I want the following added to my credit report in regard to any claims by XXXX : Debtor had dispute bal. with XXXX in XXXX  XXXX. XXXX refused mediation. Debtor terminated his service with XXXX on XX/XX/XXXX. Upon receipt of final bill, Debtor served XXXX with Demand for Arbitration on XX/XX/XXXX per terms of XXXX Customer Agreement. Collection Agent served with Cease & Desist letter from Debtor XX/XX/XXXX due to disputed balance. '' I called Trans Union & spoke to 2 reps and a Supervisor ( XXXX ) and this is what they posted instead per Trans Union letter dated XX/XX/XXXX : " CONSUMER CLAIMS HAD DISPUTED BALANCE WITH XXXX I XXXX  XXXX. XXXX REFUSED MEDICATION DEBTOR TERMINATED HIS SERVICE WITHE XXXX ON XXXX THE RECEIPT OF FINAK BILL, DEBTOR SERVE XXXX WITH DEMAND FOR ARBITRATION ON XX/XX/XXXX PER TERMS OF XXXX CONSUMER AGREEMENT. COLLECTION XXXX SERVED WITH CEASE AND DESIST LETTER FROM DEBTOR XX/XX/XXXX DUE TO DISPUTED BALANCE. " I want what I requested posted without the typo errors
Product: Debt collection

On Tuesday XX/XX/2021 FMA ALLIANCE called someone in error from XXXX at XXXX XXXX  -the agent name was taken as XXXX XXXX XXXX 
The Individual that received the phone call asked who they were and what the call was in reference to, at which point the agent immediately told the individual who the alleged original creditor was, and that this was an attempt to collect an alleged debt. ( For XXXX XXXX ) The individual then clearly informed the agent that they had the wrong person, and that they had no knowledge of this matter or the person they were looking for. At this point, the agent got upset and belligerent and insisted OK well if youre NOT that person let me verify the name address and phone number we have on file and proceeded to rattle off my full name, phone number, my date of birth and my address to a completed stranger that clearly identified themselves as not being the person they were calling for. 
The individual then interrupted the agent saying hold on hold on hold on, what did you say your name was? And what did you say the company youre calling from is? 
The agent replied I already told you. The individual asked the agent to repeat her name which she did but she refused to restate the name of the company while belligerently interrupting the individual insisting no I already told you know I dont have to tell you that again and So youre not this person? why do you want to know the name of the company? Over and over not allowing the individual to be clearly heard while the individual replied to the agent stating Im pretty sure that by law you have to tell me what company youre calling from, Plus you just gave me a random persons personal identifiable information illegally so yes tell me what company youre calling from and your name at which point the agent hung up. The individual then called me at the number that they provided her, she told me what happened and apologize profusely saying that I needed to report this to someone.
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX XXXX is reporting this information to XXXX, XXXX and Equifax. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding my credit report. A previously disputed collection account has reappeared on my credit report, and I would like to address this matter promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The collection account in question was previously disputed, and after a thorough investigation, it was removed from my credit report. However, I recently obtained a copy of my credit report and was dismayed to find that the same collection account has resurfaced, negatively impacting my credit score. 
I kindly request that you investigate this matter once again and provide me with a detailed explanation of why this collection account has reappeared on my credit report, despite our previous dispute. If any new information or documentation has become available, I would appreciate your sharing it with me. 
I would also like to remind you of my rights under 15 USC 1681, which guarantees my right to privacy and stipulates that I must provide written permission for the reporting of this account. To my knowledge, I have not given any written permission for Equifax or XXXX to furnish this account information. I kindly request that you promptly initiate a re-investigation into this matter in accordance with your obligations under 15 USC 1681.
Product: Credit card

I have been charged interest since account opening. However, the intro APR promised to me when applying was 0 % for 15 months. Upon reviewing my statements, I see I have been charged interest since account opening. I received no notification of this. This is a massive error on AMEX 's end. Solution : AMEX must refund my interest charges that were wrongfully charged for 15 months after account opening. 

The company made a false and un-verifiable claim that I was advised that I may not receive 0 % APR during my application process : Their claim : " During your online application you were advised based on your history with American Express welcome offers, introductory Annual Percentage Rate ( APR ) offers, or the number of cards you have opened and closed, you are not eligible to receive this welcome offer. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer, intro Annual Percentage Rate ( APRs ), and intro plan fee eligibility. 

This statement is a false claim, and is not factual. By doing so, they are violating the Truth in Lending Act ( TILA ). Unless the company can prove this claim, my complaint is a valid claim. I demand all interest be removed immediately.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/XXXX I negotiated a vacation rental with an online offeror. I received a rental agreement via email along with a request to send funds via XXXX. XXXX is an electronic money transfer program endorsed by my bank ( Bank of America ) and  is accessed through my bank 's mobile app. This is unlike other third party money transfer options, such as XXXX. 

I transferred {$2500.00} from my account to the offeror. The funds show up on my online banking profile as " processing '', as this was a holiday ( XXXX XXXX ). 

The property being offered for rent was fraudulent. I sought to recover the funds from the offeror. I tried multiple times through the app to recover the transfer. This was met with no response from the recipient. 

I attempted to contact my bank 's fraud department. After multiple attempts, I was informed that due to the nature of my request, the department I needed to reach was unavailable until regular banking hours the following day. 

I contacted my bank 's fraud department on Tuesday, XX/XX/XXXX. Once I was able to reach the correct department, I was informed that, not only was the department open on Monday, but I could have reached them while the transaction was still in a " processing '' status and potentially recover the transfer. 

Unfortunately, this information was too late, and the transaction moved from " processing '' to " posted '', and my bank was unable to recover the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX  XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX rented out a filthy car that may have had windshield damage at the time of rental. The car did not have a full tank of gas and was very filthy. It was the only car available that evening and my son needed it for work the following day. On the way to work, my son noticed it had a crack that got larger each day. We asked XXXX to supply photos taken of car prior to rental. They refused. We asked for the bill and they did not send it. The XXXX representatives who rented out the car were fired because of fraudulent pratices. We do not trust XXXX and believe we have been scammed by their former employees. XXXX has reported us to Viking Client services. We requested photos and bill from Viking as well. XXXX XXXX is refusing to send pics and bill. Her agressive tone was hostile. Car was rented around XX/XX/XXXX XXXX
Product: Debt collection

I do not believe the debt that is reporting on my credit report is valid
Product: Vehicle loan or lease

in XX/XX/XXXX i received a statement indicating payment of tax bill for XXXX for XXXX XXXX XXXX that was under lease though i purchased it outright in XX/XX/XXXX from KIa Motors Fiance in amount of {$630.00} so I paid it via check # XXXX on XXXX and it was cashed by them. I then received a tax bill from Citoy of XXXX indicating that no taxes for XXXX was paid and since I own the vehicle I had to pay via check # XXXX before my registration was cancelled. I contacted Kia and was told to send all paperwork to their Tax Abatement office so they may refund my {$630.00} and that was on XXXX. I never heard back and sent a follow up letter on XXXX and still nothing. I phoned them again on XXXX and they said they need the registration which the bank took when i purchased the vehicle and my registration shows myself as owner not Kia Motors Fiance like before. They demanded me to pay taxes for XXXX yet they never paid the City of XXXX and I had to pay them for same vehicle and same tax year. They fraudently took {$630.00} and I am willing to sue them as I have supplied all required paperwork showing amounts, cashed checks, tax bills, vehicle vin numbers etc that much up XXXX wish to file a complaint for blatant consumer violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies doing hard inquires days with each other. Causing  XXXX  or more hard inquires to hit m y credit score f or  XXXX  company.
Product: Credit card

I COMPLAINED TO CFPB THAT I AM HAVING PROBLEMS WITHGETTING M Y $ XXXX BACK REWARD. I RECEIVED A LETTER FROM THE PRESIDENTOF THE COMPANY THAT MY ACCOUNT WOULD BE CREDITED AT THE END OF THE NEXT BILLING CYCLE ( XXXX XXXX. ) ICALLED THE CREDIT CARD COMPAN Y TODA Y AND THE REPRESENTATIVE SAID SHE COULD N'T CONFIRM AND SHE WOULD SWITCHME TO A SUPERVISOR. I WAITED ON HOLD FOR XXXX MINUTES AND THEN HUNGUP. I REQUEST IMMEDIATE PAYMENT OF THE MONEY I HAVE EARNED.
Product: Credit card or prepaid card

I used my Costco Citi Visa card to pay the hotel after a trip in XXXX of XXXX. When I received my XXXX statement the charge for a weeks stay was billed twice. The exact same amount, merchant and posting date two times in a row. I called and Citi credited me for one of the charges. I was satisfied that their mistake had been corrected. Then in XXXX of XXXX they charged me again for the duplicate charge for a reason that they could never identify. I called Citi several times between XXXX and early XXXX to get it removed. The duplicate charge was {$1100.00}. Because I did not pay this disputed charge Citi started charging me interest on that amount every month from XXXX until now. Citi did finally reverse the {$1100.00} charge to my account on my XX/XX/XXXX statement but has not reversed those monthly interest amounts. The interest charges total {$480.00} to date. The agent that helped me the most recent time who got the charge removed assured me that the interest charges would be credited back on the XXXX statement. They were not. I have been monitoring my account online and to date they still have not been applied to my account.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$370.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$7900.00} XX/XX/XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX, XXXX XXXX {$89.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$250.00} XX/XX/XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle XXXX of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also left me vulnerable to scams and leaked information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX ) as violated my rights. XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. XXXX 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
Product: Credit card

The number provided on the back of my Care Credit card doesn't lead to ability to contact the company, so even if my card is stolen or compromised the only avenue to contact Synchrony in regards to my card is to use a Chat interface on the website, to which half the time login does not work on desktop PC. 

When calling the number on the back of the card it leads to an advertisement for the " XXXX XXXX '' call pendant for which is auto recorded and leads to no interaction with an agent or any point of contact or information upon the card. 

Number provided on the back of my card is XXXX