23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Account # XXXX I am writing to file a complaint against Transunion and XXXX and XXXX XXXX  for their failure to provide me with proper validation for an account that has been furnished on my credit reports. 

I have contacted the original creditor multiple times, requesting that they provide me with the necessary information to validate the account, but they have failed to do so. I have attached copies of our correspondence for your review. 

As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These laws require that companies provide consumers with accurate information and proof that they are authorized to report information to the credit bureaus. 

I am requesting that the company provide me with the proper validation for this account or remove it from my credit reports. I also request that they take the necessary steps to ensure that all future reporting is accurate and complete. 

After disputing this account with XXXX, they conducted an investigation and found no validation and adhered to the FCRA FDCPA laws, and deleted this account from my reports. I am asking these companies to do so as well I will attach a screenshot of the proof of deletion from XXXX. 

Thank you for your attention to this matter. 

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

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX **** XXXX : {$3900.00} XXXX OF XXXX XXXX XXXX : {$8700.00}
Product: Debt collection

I reached an agreement with XXXX XXXX XXXX to pay {$600.00} of a {$800.00} judgement. A few months after paying the {$600.00} they levied my XXXX XXXX XXXX account for {$300.00} and are still holding my account hostage. I was never served or notified of a levy. I am experiencing economic hardship because of this company actions.
Product: Credit card or prepaid card

I attempted an online purchase with my Capital One credit card. It triggered a suspicious use flag in their system and was declined. I rung Capital One and they fixed the problem and assured me I could now make the purchase. 
Upon trying again it was declined again. 
I called Capital One back and was told it had now escalated and they couldn't restore my card without being able to send me a PIN to a US cell phone. I am a non resident alien so do not have a US cell number available. 
I have a US ITIN and various other govt ID issued from XXXX XXXX. 

I then had to call again and be put through to an account manager who basically advised I would have to try and apply for US ID to get my card reinstated. As they had no problem opening my account years ago with my ID I am incredulous that now they are basically forcing me to cancel my card because I don't have a US cellphone? Completely ridiculous. I want my account reactivated and an apology for their error creating the whole problem. They have various info they can confirm over the phone adn years of history they could quiz me on etc. 

I have made about 6 phone calls in total with zero assistance and have emailed the CEO without response. 

My name is XXXX XXXX. I am the only client they will have with that name.
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 orivacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 item of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 
15 U.S.C 1681 s-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

I disputed a collection item by Pinnacle Credit Services, receive a email from XXXX and XXXX that they verified the debt. So I asked them to provide me with a copy of the information they used or that they had on file to validate this collection to this day they have not provided this information or removed this item from my credit report. Pinnacle on the other hand sent me a copy of an account summary report ( this is not what I asked them for ) I asked them to provide me with a copy of the original contract that I signed with them proving that I owed them the {$290.00} debt they have as a collection item on my credit report. I still have not received that information from them. 

As I understand the law once the original creditor receives a charge-off they forfeit all rights to collect that debt and no third party can assume the role of the original creditor.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and other incoming deposits. Capital One has cited technical issues, which may violate the Electrical Funds Transfer Act ( EFTA ) as it required timely access to funds. This situation raises concerns about consumer protection laws and i request your assistance in investigating this matter to ensure my rights are upheld. Thank you!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

it has been four years XXXX  keeps replying to my disputes with a verified message. consumer reporting agencies must CORRECT OR DELETE INACCURATE, INCOMPLETE OR UNVERIFIABLE INFORMATION. 


XXXX XXXX XXXX XXXX  ACCOUNT # XXXX invalid phone number ( XXXX ) XXXX XXXX. 

invalid address. XXXX XXXX XXXX # XXXX XXXX, ca XXXX reporting incorrect information for over 4 years please delete or provide validation
Product: Credit reporting or other personal consumer reports

There are several inaccurate information on my consumer report regarding the following account number XXXX. The first major inaccuracy is that the account numbers do NOT match up. Both XXXX and XXXX are showing the above account number however, XXXX has been changing the account number on a monthly basis. This month the account number is XXXX and previously it was XXXX when the true account number is XXXX. This is a huge violation of the Fair Credit Reporting Act. The second inaccurate information about this account is the late payment that were reported when I was never late. Pursuant to the exclusion section of the Fair Credit Reporting Act, to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, Late payments ), between the consumer ( myself ) and the person ( CB/VICTORIA SECRET ) making the report. This is an experience of mine that can not be reported as it violates this section of the act. Additionally pursuant to 15 U.S. Code 1666b a credit may NOT treat any payment on an open end consumer credit plan as late.
Product: Debt collection

I XXXX XXXX authorize this company to move forward with this complaint. 

Convergent Outsourcing C T CORPORATION SYSTEM XXXX XXXX WAY XXXX XXXX XXXX, XXXX, WA, XXXX XX/XX/2022 To : The Office of Registered Agent for Convergent Outsourcing From : XXXX XXXX XXXX XXXX XXXX Unauthorized Administration of the XXXX XXXX XXXX XXXX credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. 
XXXX ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX ) Documentation that shows I agreed to pay this debt with my signature. 
XXXX ) The Agreement that grants you authority to collect on this alleged debt. 
XXXX ) A copy of your state license, including license number that gives you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX XXXX together with a certified copies of signatures contract between you and XXXX XXXX XXXX XXXX you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for XXXX damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable XXXX Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 



By : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccuracy on my credit report regarding my Navy Federal Credit Union account ( Account Number : XXXX ). Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information reported to credit bureaus. 

Upon reviewing my report, I noticed multiple inconsistencies : Charge-Off Reporting : My credit report states that my account was charged off and remains past due as of XX/XX/XXXX. However, this account was closed and charged off in XX/XX/XXXX. According to the FCRA, negative information should not be inaccurately updated to extend its reporting timeline. This could be considered re-aging, which is a violation of the FCRA ( 15 U.S.C. 1681c ( a ) ), as charge-offs should only remain on a report for seven years from the date of first delinquency, which in this case should not extend beyond 2026.

Payment History Inaccuracy : My payment history reflects continuous " CO '' ( Charge-Off ) status for every month from XXXX through XXXX. A charge-off should be reported only once, not repeatedly every month. This repeated negative reporting is inaccurate and unfairly impacts my credit score.

Under the Fair Credit Reporting Act ( FCRA ), I formally request : A thorough investigation into this dispute under 15 U.S.C. 1681i.

The removal or correction of inaccurate information regarding the charge-off reporting date. 

The correction of the improper repeated charge-off marks in my payment history.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that my information was incorrect.
Product: Debt collection

On Thursday, XX/XX/XXXX, I received an unsolicited call to my number ( on the XXXX XXXX since XXXX ). The caller said only they were calling to collect a debt for Barclays, but they did not : Identify themselves as a debt collector Provide their company name or employee name Give the required FDCPA disclosures They then attempted to collect payment. I never gave consent for these calls. This violates FDCPA identification rules and the FTCs XXXX regulations. Please investigate and take appropriate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with this company that is in violation of Hippa laws, constitutional rights, and contract laws. I have asked them to remove old information, inaccurate and non-valid accounts from my report. The most recent letter i sent to them was on XX/XX/18. I asked them about hard inquiries from companies i never done business with. I have collections for companies i have never done business with. I have accounts that have been closed or consolidated that still show open or payment history. I have phone numbers and addresses that i have never been associated with.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding serious inaccuracies present in my EQUIFAX credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported accounts were not adequately verified, and the inaccurate information persists. Background : I discovered discrepancies in my EQUIFAX credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the accounts in question were not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy. 
Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant accounts are verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge EQUIFAX to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.
Product: Debt collection

I have attempted to contact the company to set up a payment plan. I get no response. I am currently in a financial crisis with a debt to income ratio of nearly 60 %. This lead to me falling behind on my previous payment plan with them.
Product: Credit reporting

their score has n't changed from XXXX for six months, competing credit companies scores are as follows and they change ever month XXXX XXXX, XXXX XXXXXXXX XXXXThey say they use XXXX XXXX but nothing ever changes.
Product: Credit reporting

I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$500.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Equifax Credit Report as OPEN and UNPAID and ( please see attached Credit Report excerpt ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  improperly reporting chapter XXXX bankruptcy on a lHELOC that was sold to XXXX XXXX XXXX and paid in full in 2018.
Product: Student loan

I graduated college in XXXX. My first payments were around {$200.00} and I could manage that. Within a year, for reasons unknown, the amount increased drastically to around {$400.00}. Unable to make this payment and petrified I would go into default, I contacted Navient. The CSR explained I could go into forebearance, and I distinctly remembering being told I could only be in forebearance for a year. Fast forward to XXXX and the financial collapse, I contacted Navient again and was told not to worry, forebearance was an option. There was never a mention of the income driven repayment plan and I didn't learn such a payment vehicle existed until I read an article in XXXX XXXX in XXXX. I am currently on an IDR, but what is very frustrating is had I been on one back in XXXX, my loans would be nearing completion. Instead, I have thousands of dollars in interest charges! I sent letters to Navient over the years asking why my balance was so exorbitant, and never received a response. I simply don't understand why I wasn't offered an IDR plan rather than put into forebearance. That article in CR I referred to was titled I Kind of Ruined My Life by Going to College and while I am a proponent of education, I can safely say it ruined my financial life. Any assistance the CFPB can provide in the possible abatement of a portion of the interest charges would be an amazing fete for which I would be unbelievably grateful!
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX back in XX/XX/2023 ( I had a XXXX ), an was in the XXXX for 2 months. I asked for help and submitted a GOODWILL Letter to the company. I need a little help with the late payment I received while being in the XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) : In general if, 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. 
Please remove the following items from my credit report, immediately : Personal Information 1. INCORRECT ADDRESS - XXXX XXXX XXXX XXXX XXXX XXXX - The personal information is incorrect- please remove this from my credit report immediately. 
2. INCORRECT ADDRESS - XXXX XXXX XXXX XXXX XXXX XXXX - The personal information is incorrect - please remove this from my credit report immediately. 
Accounts XXXX. XXXX XXXXXXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
XXXX. XXXX - XXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
XXXX. XXXX XXXX - XXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
XXXX. XXXX XXXX - XXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
Inquiries XXXX. XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately.