23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against a collection agency that has placed a collection on my consumer report without adhering to the legal requirements outlined in federal law. Below are the specific violations I believe have occurred : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency has not provided the necessary validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have reported a collection account on my consumer report, which is unlawful without proper validation. 


2. Lack of Opportunity to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the ability to contest the validity of the debt before reporting it is a clear violation of my consumer rights. 


3. Misleading and Deceptive Practices : The collection agency has employed false, misleading, and deceptive means in their attempts to collect the debt. This is a violation of federal law, which prohibits such practices when interacting with consumers. 


4. Unauthorized Reporting to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : The collection agency has no authority to furnish any account information to consumer reporting agencies without first providing all required disclosures. Their actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), which mandate specific procedures and disclosures before a debt can be reported to credit bureaus. 


I request that the CFPB investigate these violations and take appropriate action to ensure that my consumer rights are protected. I also seek the removal of the erroneous collection account from my consumer report and any other remedy deemed necessary to rectify this situation. 


Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, has violated my rights. 

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

15U.S.C 1681 section 604 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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XXXX {$0.00}
Product: Credit card

Macy 's XXXX XXXX XXXX XXXX. I was making payments but my account balance wasn't going down. I was paying more than the minimum. XXXX minimum payment I would pay XXXX or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to dispute a discrepancy that I have discovered in the PAYMENT HISTORY section of my credit report related to the following charged off account : XXXX XXXX XXXX XXXX XXXX XXXX have noticed that this account is still being reported as having a payment history each month when it should not since this account is being charged off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. 
As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. 
Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. 
Thank you for your attention to this matter. 
Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Act Name : XXXX XXXX XXXX, Inquiries : XXXXXXXX XXXX, Inquiries : XXXX, Inquiries : XXXX XXXXXXXX, Inquiries : XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have called Experian and I was not able to get in touch with anyone only by automated system not able to speak to no one in customer service my reporting on my credit report has not reported my credit score has not update the reason why I'm calling is to also cancel the subscription with experience instead of that being done it has not been done XXXX and XXXX I also have an issue with the same issue that I have with experience my credit reporting such as my XXXXredit score has not update This been going on for the past 3 days so far today is XX/XX/year> the time is around XXXX I have called at least XXXX to XXXX times and was unsuccessful to speak to anyone in customer service at Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, During these trying times job opportunities are scarce. I was contacted to work on a Temporary Federal assignment with FEMA via XXXX upon providing information in order to have a background check performed I then was informed after being offered the position and accepting the position and turning down to definitely job offers to work on this temporary contract that I had not been selected and just found out today on XX/XX/XXXX why I had not been accepted and it was because of the following reasons. 

1. XXXX This account was paid in full. They should not be reporting a charge off. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX {$2100.00} {$0.00} {$0.00} -- -- -- XXXX  {$0.00} PAID CHGOFF XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Remarks : CONSUMER DISPUTES AFTER RESOLUTION ; PAID CHARGE OFF ; SUBSCRIBER REPORTS DISPUTE RESOLVED-CONSUMER DISAGREES 2. XXXX  This account was paid in full. They should not be reporting a charge off. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX {$1200.00} {$0.00} {$0.00} -- -- -- XXXX {$0.00} PAID CHGOFF XXXX XXXX  Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 3.  XXXX : IS REPORTING INCORRECTLY. I PAID ONE OF THESE ACCOUNTS OFF IN FULL BECAUSE THEY PLACED A LEAN ON MY HOME TO DO SO, THE OTHER SHOULD NOT REFLECT CHARGE OFF AMOUNTS THAT ARE BEING REFLECTED BUT THE ACCUTAL CHARGED OFF AMOUNTS WHICH ARE AS FOLLOWS {$1400.00} REPORTED ON TWO DIFFERENT 1099-C FORMS AND ONE IN THE AMOUNT OF XXXX BUT INSTEAD THE REPORT IS SHOWING CHARGE OFF AMOUNTS OF {$3900.00}, {$44000.00} AND {$2600.00} XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX {$3900.00} {$0.00} {$0.00} -- -- -- EDU XXXX {$0.00} PAID CHGOFF XXXX XXXX Remarks : ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF ; DISPUTE RESOLVED - CUSTOMER DISAGREES XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX {$4800.00} {$0.00} {$0.00} -- -- -- EDU XXXX {$0.00} PAID CHGOFF XXXX XXXX Remarks : ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF ; DISPUTE RESOLVED - CUSTOMER DISAGREES XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX {$2600.00} {$0.00} {$0.00} -- -- -- XXXX  XXXX {$0.00} PAID CHGOFF XXXX XXXX Remarks : ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF ; DISPUTE RESOLVED - CUSTOMER DISAGREES 4.  XXXX This account was paid in full. They should not be reporting a charge off. 
XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX {$500.00} {$0.00} {$0.00} -- -- -- XXXX {$0.00} PAID CHGOFF XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Remarks : PAID CHARGE OFF ; CHARGE Due to the fact that this information is not visible to me but made visible to the Employer is not only deceptive to me the consumer but makes me question the honestly of the credit reporting bureau. XXXX  is really the credit bureau that seems to all the file to revert to Paid Charge off and the incorrect charged off amount is being reported. I have attached directly form the XXXX  site all 4 XXXX form to include the employment background check that I received.
Product: Debt collection

NCR failed to provide ANY written notice. They only threatened myself and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my credit reports are showing XXXX ( XXXX ) 90 or 120 day late payments in the month of XX/XX/2019 for my student loans with " XXXX/Dept of Ed '', however, my student loans were in Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019. Administrative Forbearance is a period during which payments to federally held student loans have been automatically paused or suspended and interest rates set to 0 %. Thus, it is legal and factual impossibility to be in default or have late payments during the period my loan was approved for Administrative Forbearance. I did request to be in Administrative Forbearance and my application was approved, which included a backdated Administrative Forbearance. The credit reporting agencies have said that payment was late because payment was made during the application for the Administrative Forbearance, however, the Administrative Forbearance was approved and served to backdate the forbearance during the application process, as clearly demonstrated by no late/delinquent notices during the months of XX/XX/2019, when I would have been 30 days late, and again XX/XX/2019, when I would have been 60 days late. In sum, the twelve ( XXXX ) reports of 90 or 120 days late is not only inaccurate because I was on Administrative Forbearance, it is predatory as it has completely destroyed my credit, despite the proper approval for the Administrative Forbearance. I have included a of a correspondence from XXXX XXXX ( the previous student loan servicer ), dated XX/XX/2019, approving the Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019 - again showing the Administrative Forbearance was backdated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with then Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Since XX/XX/2020 I have been trying to access my account through American Express Serve! I received my unemployment deposit into my account and immediately after that there were two transactions that were made without my approval ( I did not make these transactions ). I called the company numerous times. I finally got in contact with someone and told them about these unauthorized transactions, while I was in the phone the customer service representative proceeded to tell me that there was a different email address ( not my primary email that I registered with ) on my account! Meanwhile Im on the phone ..whoever hacked into my account kept changing my password and email and spending money at XXXX XXXX in New Jersey ( I live in Georgia & never been to New Jersey a day in my life ). I had to change my password and account 6 times!!! After my conversation with the customer representative he told me that he changed my email back to the original one and was going to forward me to the fraud department so I could report the fraud purchases. I was literally on the phone waiting to talk to someone for 6 whole hours!!! No one picked up. Ive been calling everyday since then and no one picks up. Ive also been trying to log into my account since then and I cant login. Every time I try to reset my password it wont allow me to and I have no idea what is going on with my account! I am also unable to use my card anywhere!!! I have a business to run and a family to feed and this is REALLLLLLLYYYY making me upset! How is that something is going on with this system and theres no communication as to where my money is or whats going on with my account!! I need answer FAST
Product: Checking or savings account

I opened a check account XX/XX/2023 funded the account through XXXX XXXX time i swipe card fraud alert came which blocked the card..so everyday i was calling after swiping card also verifying it was me so on Tuesday XX/XX/XXXX around XXXX i wired my sister who is out of town XXXX never received it nor did it come back to my account..so they closed my account Thursday XX/XX/XXXX because of wire which I stated I made the transfer ..they told me my account was under review for XXXX and whatever belongs to me will be sent via check to address on XXXX XXXX see my wire transfer in my account only my remaining balance in account for {$3000.00} so where did my other XXXX go? they wouldnt give me no information at all ..why do i have to wait that long go get my money..my total in my account should be XXXX have bills i cant wait that long also everything in my account belongs to me
Product: Credit card

I requested a refund in the amount of {$1300.00} for a lodging booking transaction. We paid for a two night stay, but when we arrived, the thermostat showed an error, the heating was not working, and there was no hot water. Temperatures in the area were forecasted to drop below freezing. We called the owner, they said they could not come to look at the furnace before the following morning. 

We did not feel it was safe to stay at the property, and left. 

When we requested a refund, the merchant accused us of turning off the furnace ourselves. We sent both the credit card company and the merchant a photo of the thermostat, clearly displaying an error message that the furnace wasn't working. 

The credit card company replied that our evidence- the photo of the thermostat which said that the furnace wasn't working- did not substantiate our claim that the furnace wasn't working. When asked how it failed to substantiate the claim, they said they could not say.
Product: Payday loan, title loan, or personal loan

The item I purchased was a carbon fiber splitter from custom creations. The item was returned due to being defective. The store custom creations closed shortly after. Custom creations never processed my return with Acima. Acima has placed a charge off on my credit every month for 3 years. Also the item that was placed on their purchase item was an intake. I have proof Ive never owned an intake also they didnt provide a description of the item, brand, price, type of vehicle. The store is closed and the FBI has been contacted, this is fraud.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to remove inaccurate and incomplete information from my credit report, despite my numerous attempts to dispute these errors through online, phone, and mail disputes.

Experians failure to properly address these disputes and correct the inaccuracies is a clear violation of the Fair Credit Reporting Act ( FCRA ). Consumers have the right to an accurate credit report, and Experian has repeatedly failed to comply with its legal obligations. This appears to be a systemic issue affecting many consumers, as evidenced by the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian for conducting sham investigations of consumer disputes ( source : CFPB Sues Experian for Sham Investigations of Credit Report Errors, Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX 

This lawsuit highlights Experians failure to conduct proper investigations and further supports my claim that Experian has not fulfilled its legal obligation to ensure the accuracy of credit reports as required by the Fair Credit Reporting Act ( FCRA ). 

The following accounts contain inaccurate and incomplete information and must be immediately and permanently removed from my credit report : -XXXX XXXXXXXX XXXX Remove the late payments XXXX XXXX XXXX XXXX XXXX the charge-off -XXXX XXXX XXXXXXXX Remove the XXXX payments XXXX XXXX XXXX XXXXXXXX Remove the late payments
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$3100.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$15000.00} Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$15000.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$15000.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$300.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$1300.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$1200.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$1400.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$1300.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$930.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$930.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$360.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$1200.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$1400.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2500.00} Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX  : Balance : {$180.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX : Balance : {$88.00} Account Name : XXXX : Account Number : XXXX : Balance : {$920.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$830.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX  Account Name : XXXX  : Account Number : XXXX : Balance : {$350.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$10000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$11000.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$13000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$15000.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$24000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$81.00} Unauthorized Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by The Arbitrage which involved me making deposits for a total amount of XXXX XXXX from my XXXX account to Coinbase at the instructions of the scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the company requesting them to send proof of my original contract bearing my signature.
Product: Credit card or prepaid card

I made a mistake on a bill pay for my Bank of America credit card. I accidentally paid a payment of {$100000.00} instead of {$1000.00} on XX/XX/2023. My credit limit is only XXXX. I don't know why they even accepted such a large payment considering I do not have that high of a credit limit. The froze my payment because they said it was fraud. They also froze my credit card. They said it would take 10 days to release the money and transfer the money back to my bank account. I called today and they said it will take 5 more days. Please help me get my money back into my account so I can pay personal bills.
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 XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

A person of different name used checks of a stolen routing number and account number. ( check from XXXX used routing number and account number from Prosperity Bank ) to withdraw {$1500.00} from Prosperity Bank customer without his knowledge. Prosperity Bank will not reimburse account for stolen money withdrawn from his account. This is a commercial account and is not reconciled each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Westlake Financial a settlement on XXXX/XXXX/2017 of {$500.00} the have not reported this to all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

" I'm unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification of this debt. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature stating I received it