23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was about to switch cellphone companies from XXXX to XXXX XXXX XXXX. While on the phone talking to a XXXX representative, I told her EVERYTHING that I was doing so I wouldn't get billed later. She explained to me that the payment I was making was indeed my last payment because I had to also pay for a partial month. She told me that everything was done and paid and she asked if she could do anything to make me stay and I said no. Within a couple months they billed me for what I already paid and I called XXXX to clear it up and I was told it would be cleared. Every year around the same time the third party collectors will call and report it and place on my credit as new. I have built my credit up and I'm proud of that. If I felt like I owed them the money I would've paid it. It has been well over the 7 year mark for a cellphone BILL.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS XXXX, XXXX. HAS VIOLATED MY RIGHTS.

-15 U.S.C. SECTION 602 A STATES I HAVE THE RIGHTS TO PRIVACY -15 U.S.C. SECTION 602 A SECTION 21 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent Transunion, XXXX and XXXX XXXX return receipt letters demanding removal of accounts because they are not % XXXX accurate, verifiable and timely I have the right to challenge pursuant to Pursuant to 15 U.S.C. Section 1681i ( a ) From my understanding if they can not provide proof of the original contract, if it is not 100 percent accurate and timely reported within 30 days these accounts must be deleted. 

The accounts below have not been deleted and are inaccurate and I have also noticed that information has been added reporting a wrong name and address that I have no affiliation to and none of the information is correct with all credit bureaus. 

XXXX XXXX XXXX XXXX HAS NEVER BEEN MY ADDRESS XXXX XXXX IS NOT MY NAME XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX {$0.00} balance XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX {$920.00} and XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX GA XXXX {$680.00} XXXX  XXXX XXXX XXXX, XXXX, FL XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX {$350.00} XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX NV XXXX {$850.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX {$1400.00} I demand the following accounts, addresses and names be verified or removed immediately .

I also want an updated credit file, who accessed my credit file, the results of the investigation all mailed back to the correct address. 

Please remove all accounts because they are still not accurate pursuant to 15 U.S. Code 1681g and 15 U.S.C. Section 1681i ( a ).

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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit card or prepaid card

On XX/XX/2021 a payment was electronically transferred from XXXX XXXX XXXX in XXXX to Huntington bank for my credit card payment of {$300.00} I received an email in the middle of XXXX stating I had missed a payment I immediately sent {$200.00} thinking I had forgotten the payment via the same credit union and electronic transfer. The {$200.00} was received and applied to my account after searching my account I noticed that I had made a payment on XX/XX/XXXX and that was never applied for {$300.00} I have since been in contact with Huntington bank and after several numerous attempts I have not been able to get this resolved. I have emails dating back to XX/XX/2021 attempting to get this corrected I spoke to a supervisor at Huntington and he assured me that this was applied and corrected after I received a call from someone at Huntington I called them back and a very nice lady named XXXX XXXX was able to assist she has sent this to higher levels and increase the visibility of the complaint that I have as of this date I still have received no communication regarding my payment or the fee that was applied due to the late payment that Huntington says they never received I spoke to my credit union they advised multiple times that this payment was sent and removed from my account on XX/XX/XXXX and this issue is all on Huntington bank side. The one bright spot about this has been XXXX  across who has tried to assist I have sent them everything from XXXXXXXX XXXX  showing the transaction and date that this was removed and applied they received the {$200.00} that I immediately sent after notification of miss payment but can not say that they have received the {$300.00} payment sent on XX/XX/2021. I feel that I am getting nowhere and now reaching out to the CFPB for assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I applied for an online loan with XXXX XXXX  and also a checking account. I was denied and one of the reasons was that the bank was unable to verify my identity. DataX was listed at a reporting agency that gave the bank my info to base their decision. I ordered my report from DataX and all of my personal information was outdated and incorrect. I sent back the dispute letter writing what was incorrect but a few days later I got a letter back stating that they can not fix inquiries. So I called DataX on XX/XX/21 and spoke with a rep. She advised me that I would need to contact the very first lender or bank I ever applied with and have them update my information because dataX can not do it and my information they have on file will be on there for life.
Product: Money transfer, virtual currency, or money service

today, XXXX XXXX i got scammed on XXXX  by a certain XXXX. she was selling XXXXXXXX XXXX  tickets for {$320.00} each and i sent her the money thru zelle but i never got tickets. she then procedeed to block me. i have all her messages still.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting a collection account showing up on my credit report. Sequium Asset XXXX  I disputed the report, they removed it. Then they added it back on again. This is not my account they are trying to collect on.
Product: Mortgage

We fell behind on our mortgage payments but caught them up. After which we paid our XXXX mortgage payment on XXXX XXXX. Instead of crediting the mortgage payment the company held the mortgage payment in suspense. When I called to find out why, the representative stated that my mortgage was 60 days late and asked if I was calling to correct the issue. I told him that he was incorrect and explained the reason for my call. He refused to discuss the XXXX payment. He stated that instead he needed to verify my ability to make mortgage payments moving forward. I explained again that my mortgage was not behind and had been credited correctly reflecting this fact through XXXX. I was not calling to make a payment arrangement, or get a loan modification, I was calling to find out why the XXXX payment was not credited and is sitting in suspense. He refused to provide this information. I prepared and sent a request in writing.
Product: Bank account or service

I sent a letter to a bank where I had a checking account. I had moved and wanted to close the account and have them send me the funds. Instead of sending them to my new address, they sent them to my old address. Now they are unwilling to reissue another check.
Product: Debt collection

Debt Validation Persuant to 12 CFR 1006.34c. I am refusing to pay this debt and this is a notice to cease and desist all collection activities sent pursuant to the Fair Debt Collection Practices Act 12 CFR 1006.6c. This is not a request of verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above title and section. I respectfully request your company to provide me with competent evidence that I have a legal obligation to pay you. Also, if your offices have reported invalidated information to any of the XXXX major Consumer reporting agencies ( XXXX, XXXX and XXXX ) this action may constitute fraud under both Federal and State Laws. If your office are able provide me with the proper documentation in the letter that is attached as requested persuant 12CFR 1006.34c in the following Declaration, I will require at least 30 calendar days to investigate this information during which time all collection activity shall CEASE and DESIST. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial sent an invoice for lease end fees which was received by me approximately three days before it was due, and with absolutely no information regarding the rationale for the charges. I attempted multiple times to challenge this before contacting CFPB. The CFPB inquiry fortunately finally got me a response from the company. Unfortunately, the company 's delay in response resulted in over a month without resolving the issue. Before I even received the physical copy of the response from the company, they reported my account ( which was being contested by me ) as past due. The company is now refusing to remove that reporting, despite the fact that the payment was not made as a result of the company 's own delay in response. I feel they are trying to use credit reporting to strong-arm consumers into paying unsubstantiated assessments.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XX/XX/XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XX/XX/XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XX/XX/XXXXCARD Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX CARD Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Product: Debt collection

I was contacted by Portfolio Recovery Associates LLC. They claim I owe them {$3500.00}. 
I sent two letters certified mail. One on XX/XX/2020 and the other on XX/XX/2020, requesting this company send me validation of the debt. I included a copy of my photo identification as well as a copy of my social security card. I asked them to send me validation of the debt and asked them not to contact me anymore if they did not furnish me with the necessary information. To my dismay, they did not send me any validation, however they continued to send me letters confirming they were in receipt of my correspondence and wanted me to furnish them with my contact information and reason I was reaching out to them. I did that twice and they disregarded both letters I sent certified mail. 
I also disputed this debt with the credit bureaus and was told by them they validated the debt and the negative information would continue on my records. How can the debt be validated by the credit bureaus when the company refused to validate it with me ; and after I requested validation twice, by certified mail?
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Equifax for multiple, willful violations of the Fair Credit Reporting Act ( FCRA ) in handling my identity theft case. Despite my attempts to resolve this matter directly with Equifax, they have consistently failed to meet their legal obligations, causing significant harm to my credit standing, financial stability, and emotional well-being. 

Complaint Details : On XX/XX/2024, I received an inadequate response from Equifax regarding my identity theft dispute. Their response demonstrated a fundamental misunderstanding or deliberate disregard of their FCRA obligations. The core issue is not the factual nature of a credit inquiry, but its fraudulent origin due to identity theft. 

Equifax has violated the following FCRA sections : 1. Section 605B ( 15 U.S.C. 1681c-2 ) : Equifax failed to block the reporting of information I identified as resulting from identity theft within the mandated four business days of receiving my identity theft report.

2. Section 615 ( f ) ( 1 ) : Equifax neglected to follow proper procedures for consumer disputes related to identity theft. Their cursory " investigation '' falls far short of the " reasonable procedures '' required by law to determine the accuracy of disputed information.

3. Section 623 : As an information furnisher, Equifax failed to conduct a proper investigation of the disputed information and to report the results to all nationwide consumer reporting agencies, as required when information is found to be inaccurate or incomplete.

These violations have resulted in : - Exposure of my private information - Failure to protect my identity from fraudulent use - Direct harm to my mental health, financial stability, and credit standing Actions Requested : I formally request that the CFPB require Equifax to : 1. Block ALL information I have identified as related to identity theft.

2. Conduct a THOROUGH reinvestigation of ALL disputed information.

3. Provide a DETAILED written report of their reinvestigation results within 5 business days.

4. REMOVE any information found to be inaccurate, incomplete, or unverifiable.

5. NOTIFY all nationwide consumer reporting agencies of any corrections made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in letters asking for these accounts to be removed completely from my credit report. I do not consent to my name and likeness to be used in a negative way especially in error. 
Again I demand to have all accounts that are reported as charged off to be REMOVED COMPLETELY from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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

XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations see cfpb XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ran a LexisNexis Credit report on me in XXXX of 2020. This was done without my knowledge or consent the letter from XXXX XXXX XXXX states : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX NY Notices XXXX XXXX XXXX, XXXX, NC XXXX. It was a very strange letter. I can provide it if needed. 
The letter stated to contact XXXX XXXX or LexisNexis for a Free Copy of the credit report. Neither would give me a copy. 
The letter stated to contact the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on both XXXX and Lexis Nexis. XXXX XXXX Financial Services Examiner 3 at the XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX } responded back approximately 6 months later stating they have no authority over credit related matters. XXXX XXXX said he closed my case ; he gave no advise.
Product: Debt collection

I am again requesting proof of a contract between Immediate Credit Recovery INC and myself, bearing my signature, of a loan that they provided to me. If that information is not provided with the next response. I will turn this case over to my attorney for further action. What I have been provided is a validation. It is a print out on a word document. 

I am requesting copy of the original written agreement between Immediate Credit Recovery INC, such as the loan note or credit card agreement, preferably signed by me and a representative of the company. 
I am demanding a bill of sale, an assignment, or a receipt between the last creditor holding the debt and Immediate Credit Recovery INC. 
You must return all copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt or I will turn this matter over to my consumer rights attorney.
Product: Vehicle loan or lease

To Whom May it Concern ; In the following date, XX/XX/XXXX, the following vehicle ; XXXX XXXX, BIN Number, ( XXXX ) XXXX, XXXX  color was purchased at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. This vehicle already has a 5 warranty or 60 miles which occur first by the manufacture company. The owner already has copies of the warranty paper work. The problem or complain is that the dealership which sold the vehicle to Mr. XXXX XXXX with a added warranty that was not necessary to the vehicle. Mr. XXXX XXXX noticed that this insurance is not need it for this car knowing that the vehicle already has a manufacture warranty.

Customer, Mr. XXXX XXXX reported that this unnecessary insurance of {$3000.00} that need it to be removed. The dealership XXXX XXXX has not yet removed and credit this funds back to Mr. XXXX XXXX account. Can you please make contact with the dealership to REMOVE and credit unnecessary added warranty of {$3000.00} back to Mr. XXXX XXXX account. Also, a charge of {$500.00} GAP was also added, this GAP of {$500.00} need to be credited back to Mr. XXXX XXXX account. 

The following names were involved with the sale of the vehicle on XX/XX/XXXX, Mr. XXXX XXXX, and XXXX, XXXX. The dealership finance manager is Mrs. XXXX XXXX. During the conversation, we spoke that the funds of {$3000.00} plus GAP of {$500.00} was suppose to be return or credit back to Mr. XXXX XXXX on a formal cashier check, and remove the extended warranty from this account. This situation never was exercised by the XXXX XXXX XXXX. Do please conduct an investigation as the earliest convenient as possible due to I got really tired of battle with it. A payment of {$4400.00} has to be XX/XX/XXXX to Exeter Finance Corp . The XXXX XXXX XXXX phone number is XXXX. XXXX XXXX XXXX   phone number is XXXX. 

Respectfully ; XXXX, XXXX XXXX : ( XXXX ) XXXX / XXXX Texas
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Transunion My reports are incorrect. Listing payoff accounts as a negative. My score is low although I pay my bills on time. XXXX has an inquiry starting I applied for a mortgage Im unaware of. The thought when applying for a mortgage there shouldnt be a list of inquiries. Their apps will not let allow you to order your information. Theres no customer service in one company.
Product: Money transfer, virtual currency, or money service

I made a purchase on XXXX XXXX XXXX and {$640.00} was removed from checking account. The seller XXXX required the buyer be a verified PayPal member. I used my PayPal account to withdraw money from my checking account. I had to return the item that I purchased because the seller shipped me an unusable product. I followed ebay and the seller directive to return the item. I received an email on XXXX XXXX the seller issued a refund of {$640.00} to me. I communicated to PayPal on XXXX XXXX that I was expecting my funds to be deposited to PayPal or my bank account. PayPal advised the refund would go to my bank account in 5-30 days. I told them the funds were taken out of my account the same I paid for the purchase, why is my money not in my account yet?
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to put a credit freeze in place with Experian. First I created an account, but found that an Experian account does not allow you to freeze and unfreeze your credit ( compare with XXXX, which makes this easy ). 

I then went to XXXX XXXX XXXX  where I had to re-enter ALL of my information. After doing so with care, I got an error saying " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' and a message asking me to submit the information via SNAIL MAIL. ( Seriously? ) It seems Experian is trying to make it so hard for people to freeze their credit that they won't bother. This is very shady and does not seem like a good faith implementation of the law.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 my Google Pay account registered under the email XXXX was suspended for " suspicious activitiy ''. I was instructed to upload my ID and most recent payment method used on my account. I uploaded my ID multiple times, a phyiscal picture of both the debit cards on my account, and XXXX bank statements for the checking account on my account. Each time I was informed the documents could not be verified. 

I then recieved word from the XXXX team that my accould would have to remain suspended due to terms of service violation. I have had this account for years and not a single issue like dispute so I am not sure what terms of service they are refering to that I violated. 

Regardless I decided to withdraw the {$1800.00} in my Google Pay balance since they would no longer allow me to use my account. I was then prompted with a message saying " Something went wrong. Your account was suspended. Go to the payments page for more info ''. 

Since then I have had this same message every time I try to withdraw my money. Google pay closed my account for no reason and is trying to steal {$1800.00} from me. This is very upsetting. Please make this right.