23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Company name credit acceptance corp Amount XXXX I reached out this company to provide debt validation they never sent any documentation they sold the car and wrote off the debt and still changing me full price for the debt with no validation, this debt was cause due to the pandemic in XXXX
Product: Money transfer, virtual currency, or money service

They have had my money withheld and blocked without explanation for more than two weeks and they only ask me to wait. This situation has brought me many problems, delays in my usual payments, such as house, food, car, insurance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have reached out two both the credit bureau and The agency to verify this debt over the last three months have sent debt validation letter to both with no responses
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a removed credit on my account for {$570.00} that says open balance and it was reinserted on my account ; but I no longer have any access to this account nor did I sign off I keep getting calls from different debt collectors!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Transunion and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

Discover card charged me {$30.00} dollars in late fee the SAME day that the payment was due. As of XX/XX/XXXX, the amount in late fees were reduced and I should not have been charged this amount. This is not a fair amount and my account was in good standing. This is for the account ending in # XXXX.
Product: Credit card

I worked for a company ( XXXX XXXX ) where I was required to use a XXXX XXXX XXXX XXXX XXXX. There was an option to be part of a rewards program through US Bank XXXX by paying an annual fee of around {$70.00}. I paid that fee for many years ( 5+ ). I accumulated approximately XXXX points worth approximately {$700.00}. I recently decided to leave that employer. When I logged in to redeem the points, I was unable to login. After calling US Bank several times, I was finally told that when the corporate account is closed, the point immediately disappear. This was not disclosed and is unreasonable.
Product: Debt collection

I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against VALLEY COLLECTION SERVICE LLC I reject your offer to contract I did not consent to any nonaffiliated third party VALLEY COLLECTION SERVICE LLC ACCT # XXXX to be in possession of my Nonpublic Person Information . I never gave any permission to VALLEY COLLECTION SERVICE LLC use any of my identifying information to commit mail fraud by contacting me about this ALLEDGED DEBT. This is notice to CEASE AND DESIST all illegal activity and communications and DO NOT TRY furnish false credit information on my credit reports. I am not requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A .After you sent a letter STATING that CITY OF XXXX UTILITIES SOLD MY NON PUBLIC PERSONAL INFORMATION TO YOUR DEBT COLLECTION COMPANY. I now have reason to believe that you are all conspiring against me trying to collect on a extension of credit through unlawful extortionate means. There is no TRILATERAL CONTRACT BETWEEN US THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY YOU. THE FAIR DEBT COLLECTION PRATICES ACT ( F.D.C.P.A. ) AND THE FAIR TRADE COMMISION ( FTC ) WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME. I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED AND RESPECTED. The collection of this EXTENSION OF CREDIT would be a VIOLATION OF THE FALSE CLAIMS ACT. AGAIN WE HAVE NO CONTRACT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH YOU NOR DESIRE TO.
Product: Credit card or prepaid card

I would like to file a complaint with the CFPB and add supporting documentation of contracts, guarantees and commitments as well against Bank of America. The bank shows a charge on my credit card account in the amount of {$6500.00}. I find the bank can back charge the merchant five hundred forty days as a consumer protection. A computer generated calendar schedule can easily be made and you'll find seventy seven Sundays and 16 Holidays that can add the five hundred forty day time period. My statement revealed on XX/XX/XXXX the charge. I made my complaint on XXXX XXXX, XXXX to the bank. The charge was XXXX XXXX. I would like evidence of how the bank applied consumer protection for me and I would like evidence of their efforts in coming to a resolve for me in my case. I have banks who were completely successful in getting my money back from the merchant by back charging the merchant and applying it back to account so why can't Bank of America do the same procedure for me? I have another question, Did the bank try to back charge the merchant within the time allowance? Banks can claim they can only go back according to bank policy and that may be sixty or ninety days. But some banks will agree to the truth of the matter that a merchant back charge provision for the consumer can be done with a five hundred forty day period. What evidence can this bank provide me as proof that they did?
Product: Money transfer, virtual currency, or money service

Zelle didn't inform me that if in certain cases I don't send the money to the right person. There is no way of getting my money back. It was gone
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$28000.00} XXXX XXXX XXXX Balance Owed : $ {$0.00}
Product: Debt collection

In XXXX or XXXX received debt collection letter from Portfolio Recovery XXXX for a supposed debt to XXXX XXXX. I disputed the debt, which was then closed and a letter sent to me in XXXX XXXX stating such and with XXXX balance. I recently checked my credit report because Portfolio Recovery XXXX. XXXX XXXX XXXX sent me a new letter XXXX XXXX, XXXX, from the same forgiven debt, same amount {$410.00} ; offering me a chance to settle for {$270.00}. I still have in my possession the original account closing from XXXX, and the debt is on all XXXX of my credit reports with different dates of submission. I 'd like to have this permanently erased from my credit, and perhaps have XXXX fined for their illegal practices. I would think they would have the original discharge from XXXX. XXXX T.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX & XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX is in violation of the following Federally Protected Consumer Rights : 15 usc 1692 ( g ) XXXX XXXX bank did have my written instruction to furnish my credit report. Please produce a contract that says i granted you permission to furnish report Compliance procedures- 15 U.S. Code 1681e ( b ) Reasonable Procedure- 15 U.S.C 1681 ( b ) Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( XXXX ) Removal of Inaccurate/invalidated Credit Information.You are reporting questionable, inaccurate incomplete and outdated credit information on my consumer report. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Per 15 USC 1681 ( a ) ( 4 ) & 15 USC 1681 ( b ) as a Federally Protected Consumer ; I am entitled to a right to accuracy & privacy of my Consumer Profile and the information contents within. Recently I did an investigation on my credit report which caused severe XXXX and stress when I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. 
Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a series of unauthorized inquiry on my credit report. I recently became a victim of identity theft, and my personal information was used without my consent while I was incapacitated in the hospital. As a result, several unauthorized inquiries were made by car dealerships on dates listed below. Please remote all inquiries. 

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

Since XX/XX/2016, I have made several complaints to CFPB and XXXX about 2 Capital One cards showing up on my credit. Capital one even took me to court over the accounts and could not prove the accounts were mine. We went to court twice, the cases were both dismissed after the second court date. These accounts need to be removed from collections AND my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collections that was paid off in XX/XX/2022 from XXXX XXXX XXXX  that is still reporting on my XXXX and Equifax credit report with different information and missing information on both credit reporting agencies I have tried to fix this problem with them. they said that they will remove it and it will come off, but still it has not come off, and I would like this information to deleted immediately. Under the fair credit reporting act.
Product: Debt collection

AD ASTRA RECOVERY claims I owe a debt and this is false, I have no open account with the company. AD ASTRA RECOVERY claims they sent me a " validation letter '' and this is false because I did not receive it and they did not provide the proof.
Product: Debt collection

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 under 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 Lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

On or before XX/XX/2020 I was pressured by a car salesman to have my credit ran after taking in an preapproval through an auto company. He state that they would be soft pulls and would not affect my credit however the inquiries still show.
Product: Payday loan, title loan, or personal loan

Back in the beginning part of XX/XX/XXXX I reach out to the regional of the office never got a response back so I had to keep calling the area manager and new area manager finally called me back she stated that she never got my message. Her name is XXXX and I stated to her that I was given wrong information about my account when I made the payment they applied it to the month of XX/XX/XXXX not XX/XX/XXXX so its showing on my credit report that Im in 30 days late theyre telling me that they can not go back and change it and I told him yes you can because I was given the wrong information I have tried on several occasions to have this matter rectified and to have it reporting correctly on my credit report.
Product: Credit card

Ive had this card for about a year. They charge late fees if you pay on the date owed or even a few days before. Then they report that its late on my credit report. I dispute it, its removed, then they send me a bill and report it late on my credit report. Someone needs to shut this down because its a scam. Please, someone shut them down. Evil!
Product: Debt collection

I contacted this company requesting them to validate their claim. They have not responded or provided any validation and they have reported to all XXXX credit bureaus
Product: Student loan

I have had many financial struggles in the past. It has taken me years to finally become financially stable enough to work on my debts. In XXXX, XXXX, & XXXX there were late payments to FedLoan posted to my credit score. Recently I have been paying off what I can to build my credit score up, but there are XXXX late payment reports posted by FedLoan that are keeping me from making any serious progress. I understand if the XXXX payments have to stay on until the 7 years is up, but my understanding is that reports on a credit score are removed after 7 years, so I am hoping that the XXXX XXXX & the XXXX XXXX late payments could please be removed. I have set up automatic electronic payments with FedLoan to slowly but surely pay off my loans. Trying to get an apartment or a car will be severely affected by my credit score & every little bit that I 'm paying off is helping it.
Product: Credit reporting or other personal consumer reports

XXXX wrong full charged for ambulatory services I disputed chatge because I had and have medicaid which covers ambulatory services by law in the state of missouri and prior to mediciad i had XXXX XXXXXXXX XXXX percent cover 5 years prior and have had mediciad foe previous 2 ywars and still have medicaid and I uploaded the verification and dates of my medicaid by show of award letter and my ssi including issue dates which cover the date of charges i should never have been charged agyer disputed chatge and showing XXXX XXXXXXXX coverage 5 yeats prior to the charge date and mediciad coverage covering the date of original charge experience refussed to acknowledge the evidence and remive the wrong charge damaging my otherwise flawless credit report they accepted the word of kansas counselors that the charge it legit without their validation despite my valid proof I was wrong charged and the negative mark must be removed today they closed the appeal review unfairly in kansas counselors favor on XX/XX/XXXX in regards to ambulatory services provided in XX/XX/XXXX and I've been on medicaid the entire year of XXXX and XXXX by law state of Missouri medicaid covers ambulance services so they were never to charge me let alone mark a negative report to the 3 credit agencies and not be able to get it remove by any despite valid proof of wrongful charge and then to further violate my rights to fair credit reporting the reporting agencies have allowed it to remain even after evidence shown in appeal request the wrongful charge remains and has been unfairly closed against me it remains rules i favor of kansas cou selors because they say chatge is etified and valid by my evidence ce showed i should have never been charged upon appeal ita clear to see the fair thing to do after reviewing my medicaid coverage date was to remove to wro gful chatge but that fair treatment did not happen and wrong ful chatge negative mark remains as the only negative on my crdit report since i have been told the only revourse i have os to file a co plai tbere ive been left no cboice but to seek tour advocacy i am sorey to borher you with this but when I showed clear evidence to the gats stated herein it's absurd to think that even when I showed proof to these fast i was dismissed further this should have been removed from all 3 credit reporting agencies but I have been dismissed dispite showing valid proof of my claim I seek assistance to fair credit reporting and request the matter be investigated i thank you and appreciate your advocacy
Product: Credit reporting, credit repair services, or other personal consumer reports

, On XX/XX/2020 I received a call from Experian after leaving a message for XXXX XXXX. The associates ' name was XXXX. I advised her that I spoke with XXXX in regards to my student loans and the payment history being incorrect. She advised me that she would open a dispute to attempt to have the payment history corrected. Before the end of the call, I asked if Experian did 1st party verification for consumer information or 3rd party, and she advised me that they use 1st party communications only and the call was concluded. Later that day, I checked the my online profile and didn't see any open disputes, so I called XXXX XXXX and left a message to verify that a dispute had been started. When he returned my phone call on XX/XX/2020, he stated that she did open a dispute for the student loans. I then asked him if the verification would be first party or 3rd and he stated that the company sends notification and the information is verified by the 1st party within 30 days. HOWEVER, on XX/XX/2020, I received a letter from XXXX stating that they had opened an investigation into Experian to verify information on my behalf. I have not sent XXXX any documents or made any such requests thru XXXX.
Product: Credit reporting

Lexis nexis consumer reporting reported a bankruptcy to all XXXX credit bureaus that has been dismissed I disputed with them they state they verified the bankruptcy with the court. They provided False information I have enclosed a letter from the courts that they Do Not Verify Bankruptcys with credit reporting or anyone nexis lexis provided False information to me and Violated the Fair Credit Act I want the bankruptcy deleted from all XXXX credit reports XXXX XXXX and XXXX and lexis nexis
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, we submitted a credit request to XXXX XXXX XXXX XXXX which was subsequently denied. XXXX cited that Experian reported a history of missed payments on multiple accounts as the reason for the denial. 

As paying members of Experian, we contacted them to address this issue. XXXX XXXX, an Experian representative, confirmed that our payment history is impeccable and that our credit report is completely clear, with a current score of XXXX. She indicated that XXXX was inaccurately representing the information. XXXX XXXX provided a contact number for XXXX to resolve the discrepancy, which we forwarded via email along with her instructions. 

On XX/XX/year>, another Experian representative, XXXX XXXX XXXX, reiterated that our credit file was accurate. Despite this, XXXX sent a subsequent email and letter repeating their previous stance. We responded by highlighting that this circular finger-pointing approach was unproductive and urged direct communication between the parties involved to resolve the matter. 

Given that both parties have failed to address the issue effectively, we are compelled to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to seek resolution.
Product: Credit reporting or other personal consumer reports

IVE RECENTLY REVIEWED MY EXPERIAN, XXXX, XXXX, CONSUMER REPORTS AND IVE NOTICE FRAUDULENT NAMES, ADDRESSES, PHONE NUMBERS, HARD INQUIRES, EMPLOYERS. ACCORDANCE WITH USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE NAMES ETC TO BE REPORTED ON MY CONSUMER REPORTS. EXPERIAN XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE FRAUDULENT ITEMS IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX a settlement on XXXX/XXXX/2017 of {$500.00} the have not reported this to all XXXX credit bureaus.