23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I attempted to have the XXXX XXXX office show me where I owed them money, & they never provided me with a bill / invoice before sending me straight to collections. I still have not seen the itemized bill for what I supposedly owe. Now that I am trying to get to the bottom of this as it is effecting my credit, I can't get ahold of the collections agency. I think they are no longer operating. The company is called Merchants & Professional. None of their phone numbers/ websites are working.
Product: Credit card

I recently got a new Venture card that its excellent standing, with no past due, no fraud and not delinquent. Capital one invited me to apply back in XXXX. I logged in and to was shocked to see that they restricted my account with any further notice or explanation. I received a XXXX letter after it was already closed. They keep harassing me and discrimination against me telling me about my attitude. I have no idea why they are talking about, but this is the 2nd time. They closed a card on me in XXXX of 2022 as well. only because I demeaned answers and the poorly trained customer service was very. rude and not helpful. So they say I am rude, yet the way treated me is obsolete. They harass me, laugh over the phone, they totally careless when my card get lost and I had to reported. If you make a complaint and demand answers, Capital one will retaliate against you, which is illegal.
Product: Credit card

Capital One continues to pursue garnishment on my pay for an account that I believe is outside of the statute of limitations. I recently received notice on XXXX/XXXX/15 service sate of XXXX/XXXX/15 giving me about 9 days to submit. I feel as though they are illegally attempting to collect am outdated debt.
Product: Credit reporting or other personal consumer reports

I have been disputing this account since XX/XX/23. Experian have not authenticated nor have done correct investigations for this account and it is still impacting my credit negatively. Another credit reporting agency did do a proper investigation and showed this should not be reflecting on my credit file. I have called, submitted online and done everything on part to prove this account does not belong there.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the accounts. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

Toyota Financial Services - consistently gave inaccurate information about our loan. We received different payoff amounts on different days and on both attempts to pay the loan off we received checks back. The first on a payoff off {$3400.00} we received {$4.00} check back then on another payoff amount of {$800.00} we received a {$790.00} check bank. On the {$790.00} check we waited 2 weeks ( Until XX/XX/XXXX ) to deposit the check - Verified verbally with Toyota financial that the loan had been closed, received multiple letters stating that the loan was paid in full, then on XXXXXXXX XXXX ( XX/XX/XXXX ) Toyota issued a stop payment for the {$790.00} check which they instructed us to deposit and assured us that the loan was paid in full. So a few days before XXXX {$790.00} was pulled from our checking account causing us to cancel some of our XXXX plans to visit family and pick-up last-minute gifts. At no time has Toyota Financial contacted us to admit an error was made on their part prior to pull the {$790.00} back. They have become a Fun dentally dishonest organization with incompetent agents and supervisors that are unable to provide accurate information. Additionally, although the loan was sold with " No Prepayment. '' verbiage the hold extra payments in a no interest earning account an we had to call to get it applied to our loan. Why are these people allowed to do business in California??
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of following accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

Reference on credit report - XXXX -- Reference on credit report - XXXX Reference on credit report - XXXX -- Reference on credit report - XXXX Reference on credit report - XXXX -- Reference on credit report - 31356 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 7 years.
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Date : XXXX XXXX Sent Mail regarding inaccurate reporting I the consumer Per the FCRA as a federally protected comsumer I am now opting out of and and all authorization. I the comsumer may have given you written, unwritten, verbal and non verbal consent per 15 UCS 6802 the Irs states that a charge off is considered a certificate of indebtedness.

Violation of : Fair Credit Reporting Act Privacy act of 1974 Fair Debt Collection Practice Act
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has been reporting XXXX invalid addresses and Incorrect name which I have been requesting immediate removal for more than a year now from my EXPERIAN CREDIT REPORT! 
Name : XXXX XXXX XXXX My name is : XXXX XXXX - No G Incorrect Address # 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX on XX/XX/XXXX Incorrect Address # 2 : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) All 3 bureaus maintain secret remarks not accessible to the consumers. 2 ) These secret remarks refer to the consumer rights to dispute the transactions with the vendor. 3 ) These remarks have an adverse effect on my ability to obtain mortgage loan on favorable terms. 4 ) The credit agencies can not and do not inform the consumer as to the specific issue of the dispute. 5 ) The credit agencies are reporting information to the lender more than 7 years old. Furthermore, there was a XXXX unpaid balance in one case and in another case the XXXX XXXX fully refunded the charge to the consumer. Yet, these remarks remain and impair my credit. All three credit bureaus report no other negative comments. XXXX gives me a credit score of XXXX. After considerable efforts the consumer contacted all credit bureaus, each and everyone verbally informed me they would expunge the record. Two claim to do it immediately as I was on the telephone with them. After several days, I received a report from my lender that no changes were made to the credit report that the lender received from the credit bureaus. A copy of which is attached.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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.

EQUIFAX EXPERIAN TRANSUNION 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!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates, XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I wrote all 3 credit bureau a letter and mailed it cerified to stating I would like the bankrupcty that is being reported by them to be VALIDATED and all I recieved back are letters or updates that state item verified. They have not stated who VALIDATED and how it was VALIDATED. I wrote a letter to the UNITED STATES BANKRUPCY COURTS who replied back with a letter that states that the courts do not VALIDATE OR REPORT any Bankrupcies or share information with any credit bureau ever .... Futhermore after careful inspection of all 3 credit reports from XXXX   XXXX, TRANSUNION and writing more letters to the 3 credit bureaus I keep getting the same old answer verified and remains till XXXX. All 3 credit bureau XXXX, XXXX, TRANSUNION are reporting a bankrupcy with file # XXXX.which if VALIDATED they would know its wrong missing a number and letters from the case number. I then contacted my lawyer who further stated that the number being used is incorrect and that it all 3 bureau need to delete this inaccurate information from my credit report ASAP as they are in violation of FCRA 623 ( A ) ( 5 ).
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report several fraudulent account sand inquiries appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries and accounts have affected my life and resulted in several fraudulent hard inquiries and accounts and appearing on my consumer FICO credit report. XXXX XXXX XXXX {$1200.00} # XXXX opened XXXX, XXXX XXXX {$700.00} # XXXX opened XXXX, XXXX XXXX {$3700.00} # XXXX opened XXXXXXXX XXXX XXXX  {$300.00} # XXXX XXXX, XXXX {$940.00} # XXXX opened XXXX, XXXXXXXX XXXX  {$1200.00} # XXXX opened XXXX, XXXX XXXX XXXX$3200.00} # XXXX opened XXXX .I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies Transunion Consumer Name : XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion 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 inquiries have resulted in several fraudulent inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ), that Transunion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit card or prepaid card

I am disputing several purchases on my Direct Express card. I was locked out of my Direct Express App for several months. I finally got hold of Direct Express and had my App. unlocked. While looking at my purchases I noticed that there were several purchases that I didnt make and my money on my card went down to $ XXXX called Direct Express and explained to them that I had not made several purchase and was in extreme need of help. I gave them all my info including the purchases, dates, names of merchants, and amounts. One of the people said that I could file a claim online and he helped me with it. I let a few days go by because they said I should be looking for a deposit in a few days. I waited a week and nothing showed up in my account. I called today and they said the claim is closed and I was denied.my. My XXXX R # XXXX
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only XXXX  % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Hancock Whitney regarding the inaccurate reporting of an installment account on my credit report. I have been disputing this item for several months as it is not valid, and I have never had a credit card or installment loan with Hancock Whitney. 

The account in question is being listed as an installment account, and it includes a remark stating that I was previously past due for 60 days. However, I can confirm that I have never had any credit-related account with Hancock Whitney . In the past, I had a debit card for a checking account with this creditor, but it was not an installment loan or a credit card. 

Despite my repeated efforts to dispute this account on my credit report, no investigation has been conducted by the credit bureaus. On XX/XX/2023, I submitted an indirect dispute to XXXX, XXXX, and XXXX. However, they failed to open an investigation into the matter. As a result, I sent a direct dispute letter to Hancock Whitney on XX/XX/2023, using the address listed on my credit report : XXXX XXXX XXXX XXXX XXXX, LA XXXX. Unfortunately, this dispute letter was returned to me as undeliverable, which is concerning as this is the address they have provided on my credit report. 

Not to be discouraged, I made another attempt to dispute the account on XX/XX/2023, using a different address listed on my credit report : XXXX XXXX XXXX XXXX XXXX, LA XXXX. However, the letter was returned to me once again as undeliverable. To clarify, this address does not belong to Hancock Whitney, but rather XXXX XXXX XXXX. 

In a last attempt to seek resolution, I sent yet another dispute letter to Hancock Whitney on XX/XX/2023. However, to date, I have not received any response, and I am concerned that this letter will also be returned as undeliverable.
Product: Credit reporting or other personal consumer reports

ACCORDANCE TO TITLE IS USC 1681N. 16811, 1681s. for non-compliance and negligence these accounts, XXXX XXXX XXXX XXXX XXXX. have Inaccuracies and have been deleted from EQUIFAX XXXX XXXX THIS IS CLEAR VIOLATION YOUR COMPANY IS HOUSING DELETED INFORMATION THAT HAS BEEN DELETED DELETE THESE ACCOUNTS IMMEDIATELY THIS FRAUD NON-COMPLIANCE & NEGLIGENCE AT ITS FINEST.
Product: Money transfer, virtual currency, or money service

I sent 2 wire transfers to XXXX for the amount of {$4000.00} each totaling {$8000.00} on XX/XX/year>. I then bought {$8000.00} in bitcoin. When I went to send the bitcoin to the external wallet address that I had previously used to send {$500.00} it received a message stating that there was a security hold placed on the account and that I needed to contact XXXX support. I contacted them immediately and was a ticket number ID XXXX. After providing them with my identification they sent me a group of questions for me to answer. I answered the questions and sent them back numerous times on their security box. I waited for a reply and sent numerous follow up emails but have yet to this day XX/XX/year> received a reply or a remedy to this situation. I also opened up another ticket ID XXXX for the same reason and have not received any reply. I am adding copies of the emails as well as other pertinent information. This situation has me very stressed. I would not do business XXXX ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item to be error. See the attached copy of my credit report ; the error have been highlighted. Here as follow is item in error : 1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.