23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an emergency and went to local ER. They stated it was out of network. It wasnt. It took 2 years to get the bill corrected. They charged me @ XXXX dollars and this was sent to collections. The accurate bill was XXXX dollars and I paid it promptly. The collection company wont remove it from my credit report even though the amount is inaccurate. I have disputed the claim several times.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to these accounts below. Thats on my credit report and is affecting me tremendously. I am a victim of identity theft and I had my information compromised which is the reason why these accounts are appearing on my credit report. These accounts are truly affecting me a lot because they are not mine and I should not be responsible or accountable for something that was opened up without my knowledge. Im sure you guys would not want to pay for something that you have no knowledge, did any business with nor had any service from. 

I should be in process of getting a home sometime this year of XXXX and even get promoted in my job which requires a credit check. Im trying to get my life in order, being a victim is not easy. its extremely stressful and very detrimental to my mental health. I will be attaching a FTC report with the number XXXX that was given to me when I filled out the form and I will also be attaching my identification card and my proof of address required by what I read in the Consumer financial bureau of protection website ( CFPB )
Product: Credit reporting or other personal consumer reports

To whom it may concern, I spoke with a representative name XXXX from Equifax Reporting Agency on XX/XX/XXXX at XXXX XXXX. After XXXX verified my Identity, she asked me what the problem I was having? I told her that I could not access my credit report due to the international block that Equifax placed on my credit file. XXXX said that I did not send in the proper documentation to get it removed. I said yes I did, four different times since XXXX of XXXX. XXXX called me a liar.I said I don't have to lie. I'm trying to correct what is wrong on my credit report. She didn't want to hear it because she muted me. She unmuted me after 3 minutes and I said " the reason I have a international block on my credit report is because I am correcting what is wrong on my credit report. I can not get housing for my family due to Equifax has a block on my credit report. XXXX said that Equifax sent me a paper copy of my credit report to me, which I never received. I told her I am trying to access the online portal to monitor my credit report myself. This is a violation of my consumer rights under the FCRA law. Federal and State laws overrides company rules. Equifax is not adhering to the FCRA laws. The representative XXXX of Equifax apologized to me back in XX/XX/XXXX for the internal block on my credit report because I couldn't access their portal, he said Equifax has the proper documentation from me and it should remove within 5days. Still on my credit report. XXXX was very unprofessional. Equifax refuses to allow me access to my credit report.
Product: Money transfer, virtual currency, or money service

XXXX was sent to an incorrect account using Zelle and I was unable to get my money back.
Product: Credit reporting or other personal consumer reports

As a vigilant guardian of my own privacy, I invoke the power vested in me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to address the violations concerning my personal information. The FCRA, under 15 U.S.C. 1681 section 602 ( a ), mandates consumer reporting agencies to handle their significant responsibilities with fairness, impartiality, and respect for my right to privacy. XXXX and XXXX, as consumer reporting agencies, must heed this directive. 
I assert my right to ensure that my private information remains confidential, a right that is fortified by 15 U.S.C. 6801, which clearly states that financial institutions have an ongoing obligation to honor the privacy of their customers. The entity that furnishes information to credit agencies falls under this definition and thus, is bound by these laws.

Furthermore, 15 U.S.C. 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a report only with my written consent, which neither XXXX, XXXX, nor the furnisher of information has obtained from me. I hereby revoke any form of consent previously granted, whether verbal, non-verbal, written, implied, or otherwise. 
The law is clear in 15 U.S.C. 6802 ( b ) that a financial institution can not disclose my nonpublic personal information to a nonaffiliated third party without informing me of my right to nondisclosure, a right that was never presented to me.

Moreover, 15 U.S.C. 1681C ( a ) ( 5 ) prohibits the reporting of any adverse information older than seven years, which includes the account in question. This is a violation of my legal rights, as there is no permission granted on my part for such reporting.

The accuracy of information is paramount, as stated in 15 U.S.C. 1681s2 ( A ) ( 1 ) ( A ), which forbids the furnishing of information to consumer reporting agencies if it is known or suspected to be inaccurate. XXXX and XXXX failure to maintain reasonable procedures, as required by 15 U.S.C. 1681e, to prevent such violations further compounds the issue.

Lastly, in accordance with 12 CFR 1016.7, I exercise my right to opt out of your reporting services at this time. My privacy is not a commodity for trade, and I demand the respect and confidentiality that is rightfully mine. 
Please be advised that this notice of my rights has been issued to you multiple times and has been met with disregard. This persistent neglect is not only disrespectful but also a clear breach of the legal obligations outlined above. I insist on immediate compliance with these regulations, and any further inaction will be met with the necessary legal recourse to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent the ftc claim XXXX taking their time
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to cancel my account on multiple occasions in the last 6 months. I experienced hold times in excess of one hour and was never connected with customer assistance. E-mail to customer assistance never received a response.
Product: Checking or savings account

My account has been frauded for + {$150000.00}. After 1 month bank is denying the claim. I got robbed within the bank, no security has been provided.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX for FCRA Violations and Failure to Remove Fraudulent Accounts To Whom It May Concern, I am filing a formal complaint against XXXX for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding fraudulent accounts on my credit report. Despite multiple dispute requests, documented evidence of identity theft, and legal obligations under the FCRA, XXXX refuses to remove fraudulent accounts and inquiries from my report. This negligence has caused severe financial and reputational harm. 
Details of Complaint : XXXX. Failure to Remove Fraudulent Accounts * XXXX continues to report fraudulent accounts that do not belong to me, including but not limited to : * XXXX XXXX XXXX ( {$XXXX}, charged off ) Initially removed but reinstated without my authorization, violating FCRA 611 ( a ) ( 5 ) ( B ). 
* XXXX XXXX XXXX {$XXXX}, charged off ) XXXX has failed to provide any signed documentation linking this account to me. 
* XXXX XXXX ( {$XXXX}, auto loan ) This account was flagged as fraudulent per my identity theft report but has not been removed. 
* XXXX XXXX ( Multiple Accounts ) Incorrectly verified and certified without proof. 
2. Failure to Block Identity Theft Information as Required by Law * Under FCRA 605B, XXXX is required to block fraudulent accounts upon receipt of an identity theft report. I have provided : * FTC Identity Theft Report * Police Report * Proof of Identity ( Drivers License, Social Security Card, Utility Bill ) * Despite this, XXXX has refused to act on this legally sufficient evidence. 
3. Failure to Provide Documentation Proving Account Ownership * Under FCRA 609, I have the right to request documentation that proves these accounts belong to me. XXXX has failed to provide such documentation, meaning they are reporting unverifiable accounts. 
XXXX. Unlawful Reinsertion of Deleted Accounts * XXXX previously removed XXXX XXXX XXXX but has now reinstated the account without valid certification, in direct violation of FCRA 611 ( a ) ( 5 ) ( B ).

5. Failure to Remove Unauthorized Inquiries * XXXX has reported multiple inquiries that I did not authorize, in violation of FCRA 604 ( a ) ( 2 ), which requires permissible purpose before running credit inquiries. 
XXXX. Refusal to Accept Valid Documentation * XXXX has refused to accept my FTC Identity Theft Report and police report as valid proof, despite federal laws that mandate their acceptance. 
Requested Resolution : 1. Immediate and Permanent Removal of All Fraudulent Accounts.

2. Deletion of All Unauthorized Inquiries.

3. Correction of My Contact Information. 
XXXX. Full Compliance with the Fair Credit Reporting Act. 
XXXX. Compensation of {$XXXX} for financial damages, lost opportunities, and emotional distress due to XXXX failure to comply with federal law. 
I demand immediate action from the CFPB to investigate XXXX continued non-compliance with federal regulations and take corrective action against them. If this issue is not addressed promptly, I will escalate my complaint further, including arbitration or legal proceedings. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

i was looking over my credit report and i noticed unauthorized hard inquires on my credit report i did not give hand written consent to furnish anything on my credit report. these hard inquires and accounts have violated my consumer rights. 
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 name : XXXXXXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 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: Mortgage

BANK CONTINUES TO SAY WE ARE MISSING A PAYMENT WHICH WE ARE NOT WHICH HAS THEM SAYING WE ARE LATE AND THUS HAVE N'T ADDED OUR PAYMENTS TOWARDS OUR MORTGAGE LOAN. WE HAVE BEEN IN CONTACT WITH OUR LAWYERS AND HAVE SPOKE TO OUR LENDER ON NUMEROUS OF OCCASIONS AND NOTHING SEEMS TO BE HAPPENING.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 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: Mortgage

I had to explain the problem in an attachment as there are not enough characters to properly present my situation and how it came to be. Please read as I need help now!
Product: Checking or savings account

On XX/XX/XXXX I stayed at the XXXX XXXX in XXXX which I was supposed to stay several days they charged my card twice which was XXXX and XXXX I only wound up staying one day in which I asked for a refund for the difference and I disputed this transaction with Wells Fargo. they provided me with a provisional credit of the disputed amount. They told me pending the outcome I should be fine, It is now XX/XX/XXXX 4 months later they are stating the claim was denied they withdrew the credit now my account is negative {$1100.00} I called the bank back they claimed it was nothing they can do so all of my checks coming in will be taken in this covid times it is hard enough. I deserve a refund..any help will be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$2100.00XXXX XXXX XXXX Balance XXXX : {$4700.00} XXXX XXXX Balance Owed : {$2100.00}
Product: Credit reporting

Case numbers : Equifax - XXXX & XXXX XXXX XXXX XXXX XXXX - XXXX Have been disputing accounts that do not belong to me for many months now, and all the bureaus keep doing is verifying the information without sending me information that has been asked. As a consumer it is my right to have all information verified, and to have that verification furnished to me within a 30 day time period. It has now surpassed that 30 day time frame 5 times over.
Product: Checking or savings account

Always " in progress '' never an actual answer. Why doesn't Fiserv answer with the information needed? I'm thinking this is some kind of scam or fraud. Third time on CFPB. Despite requesting correspondence through the mail only over XXXX weeks ago due to the failure of your staff in telephone communications ; Fiserv chose to leave an unaidable voice mail on XX/XX/2023. Are these phone calls coming from outside of the country? Only a week later I get on the same day a letter from Fiserv saying that my information has been sent to a debt collector and a letter from the debt collector. Not once did Fiserv provide an address to send the bill to ; only a phone number to call which never gets anywhere. Fiserv 's staff could not locate any information about this case over their phone system ; therefore, a bill could not be paid. Now they have sent it to a bill collector because they are incapable of timely mail correspondence.
Product: Credit reporting or other personal consumer reports

Iam a victim of identity theft i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the 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 states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose and these are the accounts 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
Product: Credit reporting or other personal consumer reports

I pulled my Consumer reports from XXXX, XXXX XXXX XXXX and I noticed Discover has furnished this account as a charge-off/collection. A charge-off is a canceled debt where a form 1099C must be issued to the consumer.

I recently contacted And spoke to a representative and was informed that this account was sold to a collection company.

This account has been Discharged by DISCOVERBANK__ and I need to file the 1099c form with the IRS as income.

An account can not be a charge-off and a collection at the same time.

DISCOVERBANK has furnished this account as a charge-off, in violation of the Fair Credit Reporting Act 15 USC 1681 . 
DISCOVERBANK as a furnisher of information, is prohibited by law from reporting inaccurate information. 
The IRS defines a Charge Off as canceled debt. When a debt is cancelled a FORM 1099C must be issued. The IRS states that a canceled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES.
Product: Mortgage

My account should be included with the Wells Fargo Illegal Practices Settlement. 
I contacted Wells Fargo to see if my account was included and they told me that they could not tell me, but if it was I will be contacted. 
My account was unfairly turned down several times when requesting loan modifications in hopes of avoiding foreclosures. I was incorrectly charged fees and other costs. 
Wells Fargo wrongly brought on foreclosure actions, and overstated attorney.
Product: Checking or savings account

I am writing to file a complaint against my Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Nave Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX COLLECTS ON ID THEFT. XXXX does not follow FTC Guidelines on web consumer information ftc. gov Report ID Theft. 
Credit Cards ID THEFT INCLUDE : 1 ) Unauthorized Charges XXXX is well aware of Unauthorized Charges XX/XX/XXXX. ( XXXX XX/XX/XXXX XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} UNAUTHORIZED. 
2 ) Charges for goods & services you did not accept or that were not delivered into your hands as agreed.XXXX  DENIED MY REQUEST TO PROVIDE WRITTEN DOCUMENTATION PURCHASES MADE BY ME ie IP address AND ACCEPTED DELIVERY signature post office or delivered into my hands ( see attatched Criminal Investigation letter of XX/XX/XXXX USPS NOT DELIVERED BEGINNING XX/XX/XXXX ) Furthermore FTC is very clear if creditor is 15 days too late OR TAKES MORE THAN TWO BILLING CYCLES TO RESOLVE DISPUTE. XXXX SEE ALL UNRESOLVED FRAUD BELOW ** Kindly Note attatched FRAUD LETTER CLAIM DATE XX/XX/XXXX TOOK UNTIL XX/XX/XXXX. Ten 10 months TO COMPLETE THE FRAUD INVESTIGATION OF XX/XX/XXXX. Kindly Note attatched XX/XX/XXXX statement THERE ARE NO XXXX CREDITS. Futhermore see attatched. NUMEROUS UNRESOLVED FRAUDS XXXX FAILS TO RESOLVE. ( see attatched Experian Dispute XXXX  has Certified to Experian that the information is Accurate. THIS IS FALSE CREDIT REPORTING AND ILLEGAL. THIS HAS NEVER BEEN RESOLVED TWO YEARS LATER!!!???!!
Product: Credit reporting or other personal consumer reports

On XX/XX/2025, at XXXXXXXX XXXX, Experian received my certified dispute letter regarding inaccurate information on my credit report. Instead of conducting the legally required reinvestigation, Experian falsely claimed that my dispute was not sent by me or was unauthorized and refused to process it. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, which requires credit reporting agencies to reinvestigate disputed information when notified by the consumer. Experian is using a stall tactic to avoid compliance with federal law. 

I followed up with a second certified letter, making it clear that my dispute was legitimate and that I expected Experian to fulfill its legal obligation. Experian has ignored my demand, obstructing my right to dispute inaccurate credit information. 

Experian 's refusal to process my dispute has directly harmed me by allowing incorrect information to remain on my credit report. This is not just an isolated case but an example of a larger pattern of Experian failing to investigate disputes properly, violating consumer rights, and evading legal responsibility. 

I am now seeking regulatory intervention because Experian has refused to comply with the law, failed to reinvestigate my dispute, and has not provided a valid reason for its refusal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent XXXX dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.