23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/year> Credit Reporting Agency Name Subject : Repeatedly Reappearing Inaccurate Debt on Credit Report Whom it may concern : I am writing to formally dispute a debt that has repeatedly appeared on my credit report despite being previously removed for inaccuracies. The account in question is associated with XXXX - XXXX, with a reported balance of {$110.00}. 

This account has been removed multiple times due to errors and inaccuracies, yet it continues to be reported under different names. This practice is misleading, unfair, and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I request that this account be permanently deleted from my credit file and that you conduct a thorough investigation to prevent its reappearance in the future. 

Please provide me with written confirmation of the actions taken regarding this matter. If this issue is not resolved promptly, I am prepared to escalate my complaint,, I have attached copies of previous dispute resolutions, my credit report showing the erroneous information, and any supporting documentation for your reference. 

I expect your response within 30 days, as required by the FCRA. Please send your written confirmation to the address listed above or via email. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am receiving an inquiry from XXXX XXXX XXXX/XXXX. This inquiry was not authorized by me. I have nor credit from this creditor nor did I apply for any credit with this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To my surprise today I learned of an overdue unpaid XXXX   bill of mine, for products I purchased, last summer.

Were bill paying people, for 4 5 decades, who began this month working with a financial company recently in the hope of getting into our final retirement home. If it we not for the credit report theyd run, wed never have known of this concern, as we dont use credit and have only mortgage debt.

Background : In XX/XX/XXXX we relocated to North Carolina, when Id asked a friend where to buy work clothing which then led me to XXXX for the 1st time in my life, began buying form them. Once on their mailing list, sales events were advertised, and better still if you used their credit card save more. I buy work clothes annually, so this was the best deal.

Activity : I choose to receive my bills in the US Postal mail, hard copy paper is seen felt, and paid, period thats my process. Now, if XXXX  can mail to me coupons, and marketing how is it they could not mail the bills to my current address? Further my mobile phone was attached to that account as well.

I spoke with XXXX  this morning, they had 2 PO returns, meaning their own ( XX/XX/XXXX & XX/XX/XXXX ) bills which theyd mailed to our prior ( XXXX, MA ) address from years ago, were returned to them. XXXX collections dept. agreed to remove late fees, but have closed the account and ruined my credit, refuse to generate a letter of explanation and intent to correct my credit.

Request : The purpose of this note is to ask you to force XXXX  to provide a letter stating my credit will be reported as having been corrected, so the bank will move forward with us.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed 2 accounts in XX/XX/XXXX and XX/XX/XXXX the problem was not fixed. There was know investigation one show status dat XXXX XXXX and the other show XXXX XXXX this is a clear violation of my rights. delete this accounts. I have attached 2 copies showing where it states they investigated but the date shows different. Delete
Product: Credit card

To Whom it may concern : Im a XXXX XXXX Veteran who decided to purchase my furniture at Ashley corporate store in XXXX FL, for the Veterans discount. When I was in the store, the associate was nice and we ordered {$10000.00} worth of furniture. However, after our purchase, everything went down hill from there. Ive ordered furniture from XXXX XXXX in the past and experienced better customer service ; yet, I didnt pay premium price ( 75 % less ) for my furniture. 
1. ) I purchased the XXXX bed that came to me with a bang/scratch on the foot rail. Brand new furniture and the store nor customer service provided me with either a discount, or a brand-new replacement/foot rail. Instead, I have to wait for someone to come out and fix it. I understand if I was utilizing the furniture for some time, and I utilized my insurance ; however brand new out of the box??? That is your solution. 

2. ) The store ordered the wrong mattress for me ( XXXX ) and I had to decline it. When I called the store they said technically I should have verified that on my sales slip. Are you kidding me? I spent over 2 hours picking out my furniture and then signed everything. How can I tell which mattress is on the sales receipt when it only shows the item number without a name. That is the sales associate responsibility who I worked with and spent over {$10000.00}. They ended up sending me my correct mattress/ replacement ( XXXX ), but the delivery driver brought it in a box. I paid for premium service and I received a mattress in a box?! I want either a discount/refund for premium service or a new mattress already inflated like I original received. Its still sitting in the box and I called customer service who couldnt really provide me a solution, only opened up a case number. Im a XXXX XXXX and I leave for work this coming Sunday ; I wont return until XXXX. 


3. ) Some of my furniture went on sale the next week for XXXX XXXX  and I called the corporate store three times to speak to the managers to get a price adjustment. Its now almost a week later and no one has returned any of my calls. Are they waiting until the price goes back up so they cant provide me the discount? Is this how your corporate stores are managed? 

Completely awful customer service!! This is how you treat veterans?
Product: Checking or savings account

XX/XX/year> : Received a notification stating our checking balance at PNC bank had dropped below the low cash threshold. We logged in to check, and found that the funds in both our checking and savings accounts had been zeroed out and frozen. Our checking account had close to {$7000.00} and our savings account had ~ {$50000.00} prior to this. 

We called to ask why and they stated that recent wire transfers from XXXX had triggered a fraud investigation. We explained ( as we had when we opened the bank account ) that we had just moved to the XXXX from XXXX a few weeks ago and were transferring our savings over. Our account was then unfrozen. 

XX/XX/XXXX : Our account was frozen again, again without warning nor any communication from PNC Bank. We sent an email explaining all of the recent large wire transfers and transactions along with supporting documentation, but the only response from PNC so far has been a very informal email response apologizing for the inconvenience. In addition, my access to the online banking platform was suspended. 

We have numerous bills we need to pay and have no access to the vast majority of our funds, and no response from PNC since XX/XX/XXXX. I understand banking fraud is a serious issue, but we literally just moved back to the XXXX from XXXX and suddenly have no access to our money and no knowledge of when we will get access to it again.
Product: Mortgage

My home loan ( Loan number XXXX ) with XXXX XXXX XXXX XXXX XXXX, was paid off in full in XXXX, XXXX. The address is XXXX XXXX XXXX XXXX, XXXX, TX. 

I received a XXXX XXXX on XX/XX/XXXX that was filed in the XXXX XXXX. The XXXX was filed in XXXX XXXX ( which I had never even heard of ) and not in XXXX XXXX as it should have been. The title company the mortgagor used to prepare the XXXX was First American Mortgage Solutions, XXXXXXXX XXXX XXXX, Idaho XXXX, ID XXXX. The release of lien was performed by XXXX XXXX, XXXX XXXX. 

I sent an email to the title company ( XXXX ) on XX/XX/XXXX and received the following email message from FACA-RA-questions.cleanfile, stating the following : " Hello, Please contact the lender, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX for assistance with your below request. 
Thank you. '' I did not notice this until I went through a nearly three-month process attempting to acquire a home equity line of credit when my proposed lender finally informed me to look at my Release of Lien and note that it was not filed in XXXX XXXX XXXX 

I need to have the original release of XXXX filed in the XXXX XXXX of XXXX immediately and a new XXXX  ( backdated with original paid-off date ) mailed to me. 

First, I called the XXXX XXXX clerk and was told that I needed to contact my lender. When I attempted to call XXXX XXXX XXXX, XXXX, they were unable to connect me to someone who could help because they did not show my loan number. XXXX XXXX XXXX was the third lender for the house at XXXX XXXX XXXX XXXX. The first was with XXXX XXXX, which sold the loan to Bank XXXX XXXX. XXXX  XXXX XXXX sold to XXXX. Finally XXXX sold to XXXX XXXX XXXX. 

Thank you very much for your assistance.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion 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, Transunion '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 the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion '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 Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX XXXX date XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I initiated a re-investigation, new information. Documents attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted transunion multiple times in regards to identity theft and nothing has been done Im including the identity theft report along with a utility bill for proof of address and my passport card
Product: Debt collection

I paid all money owed to XXXX XXXX College on time. They lost checks and charged additional late fees and held my transcripts until I paid. I ended up overpaying them {$100.00} because of their accounting error and when notified they sent me a check for {$100.00}. In early XXXX I received a notice from Reliant Capital Solutions that I was sent to collections for {$100.00}. I sent Reliant Capital Solutions all the supporting payment documents showing all debt was paid and saying not to contact me further. I received another letter XX/XX/XXXX with an incorrect ledger card with a {$100.00} balance. 

Here are a list of my payments on original debt of {$830.00} : XXXX {$100.00} XX/XX/XXXX {$200.00} XXXX {$100.00} XXXX {$100.00} XXXX {$430.00} for a total of {$930.00}. A refund was issued by XXXX XXXX College for the over payment of {$100.00} but they have still sent me to collections. The attached ledger card is from XXXX XXXX College shows the over payment. This is not the same ledger card the debt collector has sent which is also attached.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit card or prepaid card

Although my issue was not completely identifiable, there was a period during these last few months where there was money available in my account but my card was declined. I believe this is because I was a XXXX above my credit limit but my biggest problem is that I have paid all my payments on time for two years and during these last few months was denied half of my credit limit. Though I paid off the card before the due date, I was only given {$150.00} at a time. I used {$150.00} or less, paid it off and was still only given {$150.00} although I have a {$300.00} dollar limit. My banker tried telling me that wasn't possible but this is exactly what was happening. Once I stopped using the card for a few weeks, I was not given the other {$150.00} that I had already paid off, but instead charged a full {$300.00}, {$150.00} of which I had not used and already paid off. I should not have to pay a bill involving money that I did not use. 

I can not give you exact dates, but I was charged this XXXX somewhere between XXXX XXXX and my statement balance is XXXX as of XX/XX/XXXX. Note this is a secured credit card. 

At the end of XXXX, I roughly paid off the XXXX amount. From XXXX XXXX, I paid all charges that were continually given to me for a total of {$300.00}. I was given back {$150.00} again, used a majority of the amount, then stopped using the card for a few weeks and was charged {$300.00}.
Product: Debt collection

Someone used my credit and opened got an apartment under my name, Ive been trying to figure out who opened it and called the debt collector to have them give me the information they have on file to show Im not the owner or who opened this and they failed to do so. Not sure who else to talk too in order to have this removed this is hurting my credit and they arent trying to fix this with me
Product: Student loan

I feel that I was directed to utilize the " forbearance '' option instead of discussing other alternatives/options. I had a $ XXXX loan which has now ballooned to $ XXXX as a result of the forebearance option. I was approved for so many forbearance 's every single time that I do not believe there was a limit or that I had other payment options. I have utilized my entire XXXX funds in order to pay for my loans and to be current on my loan. I currently pay {$1300.00} per month and I ca n't afford to pay this any longer. I need a reduction in my payment and I can only afford to pay {$300.00} per month without having to borrow from my XXXX or even take hardship withdrawals. Please help me!
Product: Credit reporting or other personal consumer reports

A company trying to conduct a tenant background check for an apartment can not get access because I put a temp freeze on it, and when I couldn't unfreeze it, I called Equifax. 
I was asked to send in proof of residency because they had to address me in California. I have had 5-6 addresses in California, so why now??????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????? 
So, I sent in a utility bill from my current residence along with a current California ID and social security card. Two weeks have passed, and they are telling me it was rejected. 
What the XXXX 

Time is of the essence, I asked to speak to the supervisor and they hung up the call without finding out why ....
Product: Credit reporting

Like many other Americans, I have voluntarily initiated security freezes on all of my credit profiles at Transunion, XXXX and XXXX. This helps me sleep better at night knowing a fraudster ca n't open an account in my name without my explicit permission. 

The complaint I have is that not only do I have to pay {$10.00} to these companies to initiate the freeze, I also have to pay {$10.00} to each XXXX separately, every time I want to apply for a credit product. In some cases I am forced to pay {$30.00} out of pocket. I take issue with this because the problem of identity theft is largely attributable to these very organizations who provide my financial information to anyone who asks for it, " willy-nilly '' without any sort of authentication or identity verification. So even though these companies are responsible for the problem, if I want to do something to prevent it ultimately I have to pay. 

I am requesting that the CFPB require, or simply encourage these companies to provide this service free of charge to American consumers. By doing so they will be helping to more easily prevent the serious issue of identity theft, as well as avoid more costly requirements that may come their way in the form of legislation aimed at combating the problem. Thanks for your time, XXXX XXXX
Product: Debt collection

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). 

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX # XXXX Opened XXXX BALANCE {$820.00} XXXX XXXX # XXXX Opened XXXX BALANCE {$0.00} XXXX  # XXXX Opened XXXX BALANCE {$390.00} XXXX XXXX # XXXX Reported XXXX BALANCE {$590.00} XXXX  # XXXX XXXX XXXX BALANCE {$7200.00XXXX XXXX # XXXX $ XXXX Opened XX/XX/XXXX XXXX XXXX # XXXX $ XXXX Date Opened XX/XX/XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$3700.00} XXXX XXXX XXXX # XXXX Opened XXXX BALANCE {$440.00} XXXX XXXX XXXX # XXXX Opened XXXX BALANCE {$450.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX {$4200.00} Unauthorized inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXXXXXX 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