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

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

EXPERIAN CREDIT REPORTING AGENCY, IS BREAKING THE LAW AND ARE COMMITTING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 168la ( e ). An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

EXPERIAN is also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information. Per 15 USC 168c ( a ) Bankruptcy information is Excluded from the consumer 's report. 

EXPERIAN CREDIT REPORTING AGENCY and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately
Product: Debt collection

I checked my credit report, and saw an account for resurgent capital services for credit one in the amount of {$1000.00}. At the time the account became delinquent, I lost my job and eventually became homeless. I was living from one family member to another for a few years working side gigs. Now that I'm stable and gainfully employed, I'd love to settle with {$500.00} for a deletion
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Received a letter in late XXXX of 2021 from XXXX XXXX XXXX stating that my Macy 's credit card account has been placed in their office for collection of {$360.00}. This letter had no breakdown or invoice attached, no date purchased, what was purchased or what Macy 's store it was purchased from. This was difficult for me to understand, because that card had not been used by me for over two years and sat in a drawer at home, and for two year I have not receive any bill, phone call or email from Macy 's about money owed in the last two year till this letter. 
Called them and spoke to XXXX XXXX he told me the card has been closed by Macy 's since XXXX of last year and did not have information on the breakdown of charges. After that call I send a charges dispute letters to Macy 's. I then called Credit Control again of XX/XX/XXXX and spoke to a XXXX XXXX he said my account was sent to Department stores XXXX XXXX  ( XXXX ). So I called the Bank the next day and was connected to XXXX ( # XXXX ) He also could not give me any information on the date, time, place of the charges and what was purchased. He then advised me that due to my dispute letter, the account has been sent to a investigation team. 
I received a letter from the Macy 's Fraud Investigation Dept. on XX/XX/2021, stating the matter was being investigated, also that I was obligated to pay any bill not under this dispute ( I have no other charges because I never used the card in two years ) there letter also did not have any invoice breakdown. 
Received another letter from the Fraud Investigation Dept. on XX/XX/XXXX stating that they have completed their investigation and that I am to pay the full amount ( still no invoice with what was purchased, when, and what store, they also stated that if the bill is not paid the three credit reporting service would be notified.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute specific unauthorized credit inquiries and collection accounts listed on my XXXX credit report. I did not authorize these inquiries or recognize these collections, and I request an immediate investigation and removal of the inaccurate entries as required by the Fair Credit Reporting Act ( FCRA ). 

Below are the disputed items : Unauthorized Inquiries XXXX. XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX : XX/XX/XXXX XXXX FCRA XXXX XXXX ( a ), inquiries are only permissible with my explicit authorization or under specific legal circumstances. I did not apply for credit with these companies, nor did I authorize these inquiries. If you can not provide verification of my consent, I request that these inquiries be removed immediately. 

Unknown Collection Accounts XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX I do not recognize these accounts and have no knowledge of their validity. Under FCRA Section XXXX, I am requesting an investigation into these accounts. If these debts can not be verified with accurate documentation, they must be removed from my credit report. Please provide proof of ownership, including signed agreements or contracts that link me to these accounts. 

Supporting Documents To assist with the investigation, I have included : A copy of my government-issued ID A copy of a recent utility bill or bank statement as proof of address Resolution Requested I request that XXXX : XXXX. Investigate and verify the listed inquiries and collection accounts. 
XXXX. Remove any item that can not be verified as accurate or authorized. 
XXXX. Provide written confirmation of the investigation results within XXXX days, as stipulated by the FCRA. 


Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Debt collection

WAKEFIELD COLLECTION/CHARGEOFF Other {$120.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$120.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX TN XXXX ( XXXX ) XXXX Remarks Placed for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. I have never applied for any individual credits with this company
Product: Credit reporting or other personal consumer reports

XXXX is hosting an AMEX account on my consumer report that is not mine. I requested Verification per 15 USC 1692g, But I have been ignored by the company. They will not send me verification of debt, I requested it from AMEX as well with no response. The response of it " account verified '' is not verification per 15 USC 1692g. 


XXXX and XXXX have deleted AMEX account due to defamation of character and due to AMEX being a fraudulent account. I understand under Congressional findings that ALL consumer reporting agencies must have accurate information per 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX car max requested to pull my credit for an auto loan. I was not in the market for a car and this was never authorized. A total of XXXX inquires throughout the XXXX bureaus from 6 different companies, which whom the other 5 say they pulled FOR car max, has been reporting on my credit. There are no open accounts or auto loans through any of these companies. I have contacted all 6 companies by phone email and letters only to get no results. XXXX, XXXX XXXX acceptance, XXXX XXXX XXXX ( twice same day on XXXX ) car max auto finance and XXXX XXXX XXXX servive
Product: Debt collection

AFNI, INC. 
Account number XXXX Recent balance {$1500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XXXX XXXX. AFNI is reporting a collection from XXXX that is NOT NOT NOT mine. I attempted to contact afni to dispute this account. At first they stated they could not find any accounts in the system under this account number. I then called XXXX, who also could not find any past due accounts under my social, address or this account number they also stated they DO NOT SELL TO AFNI, there are 2 other collections companies they work with but none of them is AFNI. So afni is fraudulently attempting to collect this debt on behalf of XXXX who has no recollection of this account or even working with them ... I called AFNI again, this time they insisted on collecting my personal information phone # s with purpose of verifying the account and NOW I'm getting non stop collections calls from them threatening to take me to court and garnish my wages ... I almost lost my job because of this fraudulent collector. please help ... 
I have written several letters sent certified mail to AFNI and got NO response. I went to law foundation for help and DA 's office who advised me to file my complaint with you and also to file my complaint with FTC with hopes of bringing this fraud collectors to justice. If this is not removed from my credit report I will file this with the case law attorney who is working on case against AFNI already.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$30.00} XXXX XXXX XXXX XXXX Balance : {$7800.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


XXXX 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: Checking or savings account

I am writing to formally file a complaint against SoFi Bank regarding the abrupt and unjustified closure of my account. This incident has caused me significant inconvenience and concern, and I am seeking assistance in resolving the matter. 

On [ date of the incident ], I attempted to send a payment to a charitable organization. Shortly after initiating the transaction, I was informed that my SoFi account had been closed without any clear explanation. I reached out to SoFis customer service for clarification, but I was not provided with a specific reason for the closure.

I believe this action was taken unfairly, as I have not engaged in any fraudulent or prohibited activities. Furthermore, the lack of transparency and communication from SoFi has made it difficult for me to understand or rectify the situation. I am requesting that SoFi provide a clear explanation for the closure and, if possible, reinstate my account. Additionally, I would like to ensure that any remaining funds in my account are returned to me promptly. 

I am bringing this matter to the cpfb in hopes that you can assist in facilitating a resolution. I appreciate any guidance or intervention you can provide to help address this issue. 

Please feel free to contact me at your earliest convenience regarding the next steps. Thank you for your time and assistance. 

Sincerely, [ XXXX XXXX ]
Product: Credit card or prepaid card

I had opened an Amazon Store Card which is affiliated with Synchrony Banking. I had paid my balance in full, with a phone payment that went through, which did not reflect on my account until days later. I had thought it did not go through, so I did another payment of online-where I then put the wrong acct number. So the online payment never went through due to my mistake ( so no money was taken out ) but for the phone payment it did go through. My account then showed I double paid, before I knew the online payment adjusted. So I called and asked for a refund for one payment. When I received the refund, my credit account showed I never paid due to the online payment. So then I refunded the check, paid it back. It shows clearly on my bank statement when it was taken out. Now for about 6 months, Amazon sync banking keeps saying to send it statements. Every statement I have sent they keep saying we ca n't see it, it 's black, it 's reversed. ( I am having the bank send these + XXXX XXXX, so I would assume after the 5th statement they 'd see it ) after investigating, they KEEP saying my bank never returned the funds to me. I called my bank, asked them about this refund they talk about, they said I have made a payment and they have never returned anything. My bank has also sent a letterhead statement plus a letter saying the payment has gone through. STILL to this day, the company keeps telling me I 'm okay, while others say I owe back, and I am running in loops. I talk now only to the supervisors. My credit was at 720, now it is to a 570 score. This is ridiculous, I explained the situation multiple times and now they keep telling me I owe them as sync banking says they 're still investigating.
Product: Debt collection

US DEPT ED is claiming that I owe them {$5700.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX XXXX XXXX for NC XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

See Page 10 of first attachment and See Page 1 of dismissal from court
Product: Debt collection

On XX/XX/XXXX Central States Recovery reported a medical debt which they claim I owe to my credit report. This is for XXXX dollars. They never tried to contact me, and all of my contact information from the original account is still the same and or has been updated as such. They also reported incorrect dates and other information so that they can avoid the No Surprises Act and violate my rights under such law. The account they are claiming I owe is from a car accident which I wasnt at fault, and it is still in litigation. My attorney- XXXX XXXX XXXX XXXX reached out to them unsuccessfully and is trying daily. This shouldve never ever been reported to my credit. They have violated multiple rights - No Surprises Act violation, they furnished inaccurate information to the consumer credit agencies, and they never even contacted me first - to allow me the opportunity to inform them this matter is still in litigation I do have an attorney - XXXX XXXX, and regardless to settle the matter I wouldve paid right then. Instead, they chose to destroy my credit instead of any due diligence or contact. If they say we had incorrect contact information my info hasnt changed in 3 years and this happened less than a year ago, and XXXX, XXXX, and XXXX all have my correct information updated so they clearly didnt try to do any diligent research before just parking this on my debt. I believe this was done because the main XXXX credit reporting agencies mentioned above issued a statement recently that beginning in XXXX, they will no longer list medical debts under {$500.00} and this was an attempt to do a mass collection or provoke as many payments as possible while they still have the opportunity and in doing so they completely violated many of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my credit file I noticed an account being reported that I did not recognize. I notified th e CB, requested that they remove it, and they responded that it has been verified as mine. Questioning this response, I ( per the law ) requested all supporting documentation that was used to verify this account, along with the name and number of the individual from the CB that " verified '' the account and the name, number, and title, of the individual from the creditor that furnished the documents. I have sent multiple requests and have never received a response other than " the account has been verified. '' and directed me to contact the creditor. This is NOT acceptable and a clear violation of 1681 ( a ) ( 4 ). Under Section 611 ( 5 ) ( A ) of the FCRA the CBs are required to prom ptly DELETE all information which can not be verified. Ignoring the consumer, avoiding their legal requests, and passing the responsibility onto them is NOT acceptable.
Product: Debt collection

i have received a letter from this agency that states that I owe them. I have never had any dealing with this company. When I disputed the debt and ask for the information that supports their claim. I have no knowledge of the debt
Product: Debt collection

YOU SENT ME A LETTER ATTACHED TO THE LAST COMPLAINT SAYING THAT I OWE TOTAL XXXX  YET YOU ARE REPORTING THIS ORIGINAL ACCOUNT FROM AN ADDRESS THAT WAS NEVER AN ADDRESS OF MINE THIS IS FRAUD AND HAS BEEN REPORTED TO THE ORIGINAL CREDITOR AS WELL AS VERIFIED THEY RECEIVED THE POLICE REPORT FROM XXXX COLORADO POLICE DEPARTMENT FOR ID THEIFT, THEY HAVE RECENTLY REMOVED THIS AS THEY WERE REPORTING THIS AT THE SAME THIS COLLECTIONS AGENCY WAS WHICH IS IN VIOLATION OF The Colorado Fair Debt Collection Practices Act ( CFDCPA ). 

TILL THIS DAY HAVE YOU BEEN UNABLE TO PROVIDE THE FOLLOWING FOR Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for THIS COLLECTION AGENCY in case legal action becomes necessary. 


IF YOU ARE UNABLE TO PROVIDE THE ABOVE REQUEST THIS WILL BE FOWARD TO THE ATTORNEY GENERAL OFFICE AND A LAWYER.
Product: Debt collection

I've been getting calls from asset management about a supposed debt I took out with XXXX XXXX in 2011. There are a lot of red flags to this claim. Why are they just asking me about this loan that happened years ago? Why can't I mail in payments, instead of giving them a lump sum.
Product: Checking or savings account

I tried to submit a check with mobile checking and they kept sending emails to resubmit I contacted them about to explain to them that it would come off fraud they kept saying that it was the images they couldn't read now I get a email they closed my account for fraud when it's their fault I had money in the account. I called to speak to the fraud decision I find out they have no number for now they stole money from me.
Product: Debt collection

I send them a request of validation letter requesting the following ; Name and Address of Alleged Creditor Name on File of Alleged Debtor Alleged Account # Address on File for Alleged Debtor Amount of alleged debt Date that this alleged debt became payable Date of original charge off or delinquency Was this debt assigned to debt collector or purchased? 
Amount paid if debt was purchased Original or copy of agreement that bears my signature of where I agreed to pay the creditor.

However all I got in response was some of the request and nothing showing my wet signature nor a notification where it states I can dispute this. They are also affecting my credit report by reporting to the CRA 's which is a violation of the federal law 15 USC 1681a ( 4 ).
Product: Credit card or prepaid card

I had disputed a XXXX transaction worth {$230.00} on XX/XX/XXXX and wells fargo has nothing done anything until date XX/XX/XXXX and they call me today asking for more information and stated that they haven't worked on my claimat all. It's been 4 weeks and that claim hasn't moved a bit. When I called in today, this lady XXXX from the claim department was pathetically rude and when I asked her for her name she refused to give that to me and after asking that repetitively she finally told what her name was. This is ridiculous customer service and such people should seriously be fired. I need my claim resolved asap Claim ID # XXXX
Product: Credit card or prepaid card

Citibank closed credit card without our knowledge yesterday. We found out about it after multiple purchases were declined. Citi will not prov ide any information on the closure of the account over the phone. Tried to cash out on the cash rewards balance and they are saying that I ca n't because we closed the account. We did n't close the account. I would like all cash rewards sent via check to address on file.