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

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 DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

Bank of America charged my business 6 overdraft fees totaling {$210.00} and also reversed my claims unjustifiably without properly investigating the matter nor providing validation by law of my company being responsible when the company debit card and pin were stolen.
Product: Debt collection

Malen & Associates PC purchased a debt from XXXX XXXX. The debt was loaded up with added fees and penalties prior to the sale of the debt. Malen & Associates PC did not provide adequate documentation when asked to verify the debt. Malen & Associates PC refused to settle the debt in good faith on several occasions. Although Malen & Associates PC claims they are settling in good faith. The company is fully aware that the debt was stacked prior to purchase and is collecting this debt with malice. Malen & Associates PC cites an amount in excess of {$6000.00} every time a debt settlement is made and then will extend the terms and create further financial hardship to the debtor.
Product: Debt collection

I have made several attempts to contact AAA collections to work out payments with them. She told me she could n't set up a wage assignment with me unless I paid XXXX biweekly, I explained to her that I have a XXXX husband and XXXX small children and could only afford XXXX bi-weekly. She said she would send out the wage assignment. I called her a week and a half later, and told her I still have n't received her paper work. She said she was not going to send it until she put a judgement on me. I do n't understand how that is necessary when I have made attempts to make payments. Back a few months ago an agent had contacted me and I told her I was unable to make payments at the time but I will get back to them. I called back and left a voicemail and no call back. Then they sent me a letter saying that after several failed attempts to contact me, if I do n't contact them they will be forced to file a judgement. I called them and finally got someone. She then told me if I do n't want the judgement on my record that I have to pay the balance in full or give them my debit card number, when I refused and told her I would just talk to my lawyer she all the sudden was willing to work with me. I still have not seen the wage assignments and she has failed to call me back again.
Product: Prepaid card

On XX/XX/XXXX I bought 2 XXXX XXXX pre paid debit cards. Each for {$150.00}, total XXXX dollars from my local XXXX. I have tried one of those cards. I went to XXXX XXXX as listed on my card. checked on that card. Input pin #. Site stated the card was active and had a balance of {$150.00}. Tried to use it unable. Waited more than 24 hrs. Tried again still unable. Today I Went to the site again and it shows a transaction on XX/XX/XXXX for {$150.00} which I did not do. Balance of {$0.00}. I went to check the balance of the 2nd card and after putting in the card info the site the site stated it was not working to come back later. I expect I have lost all {$300.00}. 
Customer service on the card is just automatic response unable to contact a live person.
Product: Credit card or prepaid card

On XXXX XXXX, 2017, at XXXX XXXX Pacific Time, I called customer service to ask about disappearing charges. Customer service would not transfer to a supervisor, said I was wrong, interrupted me, and put me on hold.
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX , to XXXX this company place a debt on my credit report which after disputing it with the credit bureau , it was deleted off my report in XX/XX/XXXX ... then as of XX/XX/2018 after checking my report, they sold the debt without accurate information to a company called Commonwealth Financials, using a different acct # XXXX, with an incorrect open date of XX/XX/2018 and they reported it on XX/XX/2018. Commonwealth Financial address is XXXX XXXX XXXX, XXXX city, pa XXXX ... I think it not fair the way debt collectors be buying debt from other companies without even verifying if the information is valid. I am asking you to stop these companies from falsely adding debt to consumers credit report.
Product: Debt collection

This is my Affidavit I have tried to dispute XXXX XXXX XXXX XXXX multiple times the XXXX and credit karma but nothing happens. So I sent a letter to the company claiming I have a debt with them. On XX/XX/XXXX @ XXXX am I sent the letter requesting proof that I have a contract with their company by XXXX Registered mail with a return receipt an XX/XX/XXXX there is a remark on the tracking history stating there want no Authorized Recipient Available. Then on XX/XX/XXXX had a reminder set for redelivery. As of XX/XX/XXXX they did not claim the package. Unclaimed/Being Returned to Sender. This is a complete refusal to be delivered/served and needs to be taken off my credit for the lack of providing any proof of their claim that I have a debt with them. I have printed out the tracking history and have all receipts as my proof of my claim. 

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

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

There were unexplained charges on my account that I was not aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX XXXX/XXXX/XXXX To whom it may concern due to investigation by XXXX and XXXX they have determined that these Inquires from. 

XXXX ( X/X/17 ) ( X/XX/17 ) ( X/XX/17 ) ( X/XX/17 ) ( X/XX/17 ) X/XX/17 ) ( X/XX/17 ) are duplicate inquires and were removed from my credit file please find and investigate the company and dates attached and update my credit file to reflect and correct these findings. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter XXXX XXXX
Product: Mortgage

My ex husband and I were divorced in XXXX of XXXX. In the divorce agreement I was awarded the house with the agreement that I would be solely responsible for all costs including mortgage payments. I have, on my own, paid the monthly mortgage ever since. My ex husband and his current wife filed for bankruptcy in XXXX. It did not impact the mortgage loan as I am legally responsible for that. I was able to continue to have access to the online portal so that I could pay the monthly mortgage payment faithfully. I have never been more than 30 days late. I have logged in on or around the XXXX of every month to pay the monthly dues. In XX/XX/XXXX however I was suddenly refused access with no notice. I reached out multiple times to the mortgage company starting in XXXX trying to find out what the problem was. I was told that I did not have access and that I would have to call in every month to pay. Since everything was set up electronically I no longer had access to e-statements or invoices. I called multiple times and tried to find ways to get this resolved to no avail. In XXXX of XXXX I was able to speak with a loan representative who told me that my online portal was not available and to create a new, which I did. I was able to log in online as normal again and pay my mortgage payment and see the dashboard for the loan I am responsible for. When I tried to log in today, XX/XX/XXXX I was again denied access. The three representatives I spoke with said that it was because of my ex husbands bankruptcy in XXXX. However, I received an email from Loancare XX/XX/XXXX stating that my online mortgage statement was available. Yet I am not able to access the documents as Loancare has decided to deny me access to all the legal information including my bank account information and tax documents. Please help me
Product: Credit reporting 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  XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX, has violated my rights. 

XXXX5 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 seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX  you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and I am personally submitting this request to report that they failed to investigate the inaccuracy of the report. Despite the passage of time, I have yet to receive any response from Experian, prompting me to seek your assistance. Despite numerous prior written requests, the unverified items listed below persist on my credit report, which is in violation of Federal Law. Their actions reflect negligence and failed to investigate the items. 

I am well aware that, under the Fair Credit Reporting Act, they are obligated to provide evidence, documentation, and clear, accurate responses within the specified statutory time frame. Failing to do so obliges them to remove erroneous and unverified items. Their unfavorable and unacceptable actions have had a detrimental impact on my credit scores. Please find below the items that are concern to me : 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 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 XXXX XXXX
Product: Debt collection

I enrolled in a debt consolidation which included this debt from regional finance. Regional finance contacted the debt consolidation company then called me and told me it was illegal for me to enroll the debt I had with them. They told me this on 2 occasions. They were also harassing me with calls both on my personal phone and at my employer even though I told them who to contact to resolve the debt.
Product: Credit reporting or other personal consumer reports

RE : You Violated The United States Code Law 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 instructions of the consumer to whom it relates.

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.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
Please remove the following items from my credit report, immediately. 
XXXX XXXX
Product: Debt collection

To Whom It May ConcernXXXX XXXX XXXX has not provided validation information for the collection on my consumer report, 12 CFR 1006.34 ( b ) ( 5 ). 
XXXX XXXX has not given me the opportunity to dispute this account. If you believe you gave me proper notification, please send me the certified receipt with my signature, 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
This is a violation of my consumer rights by XXXX XXXX, including the use of false, misleading, and deceptive means. 
According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), XXXX XXXX XXXX in clear violation of the law by furnishing accounts to my credit report without providing required disclosures.

Under 15 USC 1681b ( 604 ( b ) ), XXXX XXXX does not have a permissible purpose to report or access my credit file without my express written consent. Because this is an unauthorized inquiry and account, you are required to remove it within four ( 4 ) days of receiving this notice. 
I am disputing owing any and all debts to XXXX XXXX  I, XXXX XXXX, am also revoking all rights of XXXX XXXX from communicating with me through email, text, or calls. 

I am requesting debt validation. I am also requesting the purchase agreement between XXXX XXXX  and the original creditor. Furthermore, I request that XXXX XXXX XXXXurnish proof that they are licensed and bonded in the state of Missouri. 

Additionally, under XXXX XXXX ( Transfer of Instrument ; Rights Acquired by Transfer ), I request proof of legal standing to collect this debt, including the full chain of assignment. 

Failure to comply with my requests within four ( 4 ) days will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Missouri Attorney Generals office. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2023 XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023 XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023
Product: Debt collection

In XX/XX/XXXX, I rented a house from XXXX XXXX ( property management company ). After XXXX months, I left the property because they would not allow multiple pets at the property, which was fine by me given the square footage of the house. I paid a fee, lost my deposits ( rent and pet ) and moved on about my day to another rent house. 

In XXXX, I entered into a XXXX month lease of a rent house with XXXX and XXXX real estate in XXXX, TX. As my wife and I were expecting a child, we temporarily rented a house until we had saved enough money to purchase a much larger house. 

On multiple occasions, the home owner, not the property manager, would come by frequently, unannounced to check on the property. I had contacted the property manager multiple times of the incidents and told the property manager and owner, to abide by the Texas law and allow for XXXX hours notice before coming in the premises. My wife felt immensely uncomfortable as the home owner would sit under the windows and " clear any weeds out of the yard. '' Eventually, enough was enough. The property management company did nothing about the harassment, so we placed our 30 days notice, lost pet and rent deposits and left. 

My wife and I found out of the Certified Collectors of XXXX, Texas had placed the combined debt of the XXXX companies for almost {$15000.00} with NO detailed statement of the charges. After requesting multiple times and not receiving anything other than, " You were contacted sir .... '' we contacted the original creditor. 

For XXXX XXXX, we settled on a debt and that debt was confirmed and approved by management. We have the messages of confirmation from XXXX. 

Between the harassment from the collection agency, failure to produce the documentation, pursuing debt outside the state 's statute of limitations, fraudulent claims and more, we have continued to seek legal action against Certified Collectors of XXXX. We want to ensure this does not ever happen to anyone again!
Product: Money transfer, virtual currency, or money service

Chase refused to accept a wire to the account I have. They said they automatically sent it back to the sending bank. When I asked for the IMAD number they stopped responding. They said they wired it back on XX/XX/XXXX. The same day it was wired. However, the original sending bank said they never received the money. Ive tried to get information and follow up but chase will not provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months now, I have been disputing XXXX XXXX XXXX XXXX for reporting my account 2x30 late. Every single response from Experian has been that it was verified. I finally disputed the erroneous information with the XXXX  and XXXX XXXX XXXX replied with that is was most definitely an error on their part. It is obvious to me, when you file a dispute with Experian, they do not investigate. Had they done an investigation they would have gotten the same results I did. I have loss opportunities due to their lack of keeping the information they report correct. This is against FCRA rules and regulations and Experian should be held to this.
Product: Debt collection

This company keeps reporting every month on my credit report. I have absolutely no dealings with this company. I have no contract at all with this company. I have tried and tried to dispute the claims of this company to no avail. 

The doctrine of privity in the common law of contract provides that a contract can not confer rights or impose obligations arising under it on any person or agent except the parties to it. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. 

LVNV FUNDING LLC XXXX O XX/XX/XXXX Open {$1400.00} Account Details Last Reported XX/XX/XXXX Collection Agency LVNV FUNDING LLC Original Creditor XXXX O Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1400.00} High Balance {$1400.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was conversing with someone from XXXX on 3 tickets to the XXXX XXXX game on XX/XX/XXXX. We emailed back and forth regarding procing. I got a request via Wells Fargo from his account ( name and number of requested included in this request ). I sent the money and tickets never came. Then email responses stopped. I called the number that I got via XXXX and the person who picked up said they never posted an ad about tickets. He claims identity theft. I called my bank and told them that he money was transferred to an account via there app. They refused to help.
Product: Checking or savings account

I live in Michigan, looking to relocate to XXXX. I have made purchases and hotel booking payments for the last XXXX weeks. When prompted to verify charges via text I accept, acknowledge and verify I made the purchases. They have now decided to freeze my account AFTER I authorized said charges. Now I have no access to my account to get paid, I am unable to pay for my housing which is weekly, food nor transportation. I may become homeless if this problem isnt fixed.