23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX USAA CFPB RESPONSE XXXX XXXX CONFIRMS FALSE ALLEGATIONS. USAA FABROCATED FRAUD REPORTS I DID XXXX NOT REPORT AS FRAUD. XXXX USAA FRAUDULENTLY REPORTS FRAUD REPORTS CONSUMERS NEVER SUBMITTED. USAA XX/XX/XXXX TRYING TO COLLECT ON ID THEFT case XXXX CONFIRMS FRAUD REPORTED BY ME BEING XX/XX/XXXX {$470.00} ( PLUS XX/XX/XXXX - XX/XX/XXXX {$180.00} THEN {$59.00} THEN XX/XX/XXXX {$230.00} ) ** KINDLY NOTE THESE ARE INCLUDED IN THE {$470.00} I REPORTED FRAUD XX/XX/XXXX. USAA CAN VIEW THEM ON STATEMENT ATTATCHED XX/XX/XXXX. USAA TRIES TO COLLECT?? KINDLY NOTE** see attatched XX/XX/XXXX STATEMENT ** KINDLY NOTE XX/XX/XXXX STATEMENT WRITTEN DOCUMENTATION USAA PROVIDED NO CREDITS * USAA CONFIRMS DOUBLE FRAUD REPORTED BY ME.?? NOT TRUE. FALSE ALLEGATIONS KINDLY NOTE USAA YOUR {$180.00} + YOUR {$59.00} + YOUR {$230.00} FAKE FRAUD REPORTS TOTAL TO THE PENNY THE {$470.00} I DID REPORT AS FRAUD!! AND KINDLY NOTE USAA XXXX HAS NEVER RESOLVED THIS FRAUD** CLAIM I REPORTED FRAUD {$470.00} XX/XX/XXXX XXXX NO USAA CREDITS WERE EVER GIVEN see Statement XX/XX/XXXX. THERE ARE NO USAA CREDITS. USAA COLLECTS ON ID THEFT USAA DOES NOT RESOLVE FRAUD. ** FABROCATES FRAUD REPORTS USAA REPORTS ** FALSE CREDIT INFORMATION DESTROYING CONSUMERS CREDIT SLADERING MY NAME THAT I REPORTED FRAUDULENT FRAUD REPORTS I DID NOT REPORT. see attatched FRAUD LETTER XX/XX/XXXX it took from XX/XX/XXXX to XX/XX/XXXX to complete this fraud investigation ( 10 ) MONTHS?? AND ** THERE ARE NO TEMPORARY CREDITS TO MAKE PERMANET!!!. XXXXTHIS CONSUMER HAS BEEN HELD LIABLE FOR AND COLLECTED ON FOR ID THEFT FRAUD OF XX/XX/XXXX USAA ACCUSED ME OF REPORTING FRAUD ON RETURNED ITEM XXXX XXXX OF {$120.00} TO SLADER MY NAME REPORTING ME AS CRIMINAL DENYING MY LEGITIMATE FRAUD CLAIM ** LOOK HOW MANY CFPB COMPLAINTS REPORTED AND STILL TWO YEARS LATER. STILL NO RESOLVE????? USAA OWES ME.
Product: Debt collection

I was sent a medical bill for {$180.00}. This bill was sent incorrectly to me as it should have been sent to XXXX Municipal Court. I provided all the information necessary so the invoice could be properly addressed yet they continue debt collection attempts via phone and mail. I have spoken to the supervisor XXXX that this is in error and gave a complete explanation. I even informed XXXX I never gave consent nor agreed to be the guarantor of said invoice.
Product: Debt collection

In XXXX I called Comenity Bank becaus I was unable to pay my bills with them due to hardship. I spoke with a supervisor who gave me a date of XX/XX/2022 to make my first payment of {$65.00}. I was enrolled in the hardship program. I received an alert on XXXX XXXX 2022 that my credit score has dropped XXXX points due to a delinquent account for Comenity Bank. I called the bank and the harship department. They both claimed they didn't report it and there's nothing they can do.
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 # XXXX, Account Name : XXXXXXXX XXXX, Account # XXXX, Account Name : XXXX, Account # XXXX and Account Name : XXXX XXXX Account # 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 furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Last 4 SSN : XXXX Address : XXXX XXXX XXXX XXXX, CA, XXXX Date Of Birth : XXXX To Whom It May Concern, I am not liable for this debt withXXXX XXXX, I do not have a contract withJEFFERSON CAPITAL SYST, They did not provide me with the original contract as I requested.JEFFERSON CAPITAL SYST called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but untilJEFFERSON CAPITAL SYST, proved me with the original contract they have to remove asap from my credit reports. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This item was purchased by a Third Party Debt Collector ( JEFFERSON CAPITAL SYST ). This account must be deleted as the status is not correct, the amount is not accurate, and the account was paid for less than owed by the Third Party Debt Collector.

As you can see from my credit reports and highlighted issues.

This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY.

Here is the account name : JEFFERSON CAPITAL SYSTand Account number : XXXX for reference and incorrect amount also. 
How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. 
DELETE THIS IMMEDIATELY! 
Thanks,
Product: Mortgage

On XXXX XXXX, 2016. My home was illegally entered without permission or standing and theft of property occured at my home by a subcontracted vendor XXXX for Wells Fargo. 

The letter I received from Wells Fargo stated, " the property preservation vendor was not at your property on XXXX XXXX, 2016. '' The incident report, from the police, states the individual 's apprehend by the police in my home had a work order from XXXX, which is in direct contradiction to Wells Fargo 's findings. It seems implausible that XXXX has no record of employees at my residence, but the incident report written by the police noted documents with XXXX information and a work order number. 

As I followed up on my complaint with Wells Fargo, the contact person tried to prevent me from escalating my complaint. He stated, he is the furthest my complaint which could be escalated, which was not true. As this process continues I have been " rekeyed '' out of my home. 

The police report I 'm submitting is the preliminary report. I am waiting for the detectives to update the report from the investigation of the burglary.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to express my deep dissatisfaction and file a formal complaint regarding my loan application experience with Allies for Community Business. 

During the course of the application process, I encountered numerous obstacles and delays that were both unwarranted and discriminatory. Allies for Community Business continuously claimed that my application was incomplete, even though I diligently provided all the required documentation as requested. Despite my repeated efforts to rectify any perceived deficiencies, I was forced to resubmit the same documentation multiple times. 

It is evident that this protracted and repetitive process was intentionally designed to discourage my loan application. Such actions, when motivated by a desire to selectively deny funding to certain individuals or businesses, constitute clear discriminatory practices. I firmly believe that Allies for Community Business violated Regulation B, which protects applicants from discrimination in any aspect of a credit transaction. 

I have gathered a substantial amount of documentation and email correspondence that supports my position. These records provide a clear record of the undue challenges and discriminatory treatment I faced throughout the application process. I am prepared to present this evidence to the appropriate authorities as necessary. 

I find it deeply disappointing that an organization like Allies for Community Business, which claims to support and empower small businesses, would engage in such discriminatory behavior. As a responsible member of the community, I expect fairness, transparency, and equal treatment when seeking financial assistance. 


Please be advised that I am prepared to pursue all available legal avenues to ensure that justice is served. I trust that Allies for Community Business will take this matter seriously and make the necessary changes to prevent such discriminatory practices in the future.
Product: Debt collection

I have repeatedly requested that Portfolio Recovery Associates , LLC / Account Disputes Department provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Credit reporting or other personal consumer reports

I received your stall letter regarding the investigation of my previous dispute, and I cant help but feel extremely frustrated and annoyed. Seriously, how much longer are they going to drag this out? 
I submitted a dispute XXXX to challenge information on my credit report. According to the Fair Credit Reporting Act ( FCRA ) -15 U.S. Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ), you're supposed to investigate and respond promptly. But all I got was a generic stall letter with no real updates or progress. What gives? 
Ive done some research and found a CFPB report that specified youre using automated methods to send automatic stall letters to consumers in hopes that they will use your online systems for disputing. There is no law saying I cant leverage todays available technology to help me analyze, create and send disputes to transunion. 
Here is a link to the report that detailed TransUnion violations - https : //www.consumerfinance.gov/about-us/newsroom/cfpb-issues-report-on-transunion-experia n-and-equifax/ Listen, I don't have time for your runaround. They need to get your act together and actually do their job. The FCRA clearly states that Transunion have to investigate within 30 days and provide a timely response. It's not rocket science!
Product: Credit reporting or other personal consumer reports

This is in reference to : XXXX XXXX XXXX Account : XXXX Balance due : {$800.00} I trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that Equifax and XXXX may not be following these guidelines, as indicated in 15 U.S. Code 1681e. Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX CHILDSUPPORT Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
CHILDSUPPORT Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

This credit card had a negative balance. The minimum payment of {$25.00} was paid monthly regardless of whether the card had a balance. A charge was made leaving a new balance of @ {$60.00}. Unbeknownst to me, the minimum payment suddenly changed to {$40.00}. I had lost the sign in and with paperless billing could not even see what happened. Since that time, they have been charging a {$40.00} late fee every month, and lots of interest. I wrote asking for a resolution as, between being unable to access the account and having COVID, I was unaware that they wanted another {$15.00}, and they did not even respond. Now they are claiming I owe them {$290.00} on an outstanding charge of less than {$40.00} which has been paid many times over since that time. This is an appalling abuse. They refuse to even correspond to let me know what can be done to resolve this, short of giving them {$300.00} I should not owe.
Product: Debt collection

Received a call from XXXX " Caine & Weiner '' Sunday XXXX XXXX, XXXX demanding money in relation to XXXX accident I was involved in back in XXXX XXXX. I was fully insured at time of accident. This is the first notice that I received re debt. I immediately contacted XXXX XXXX ( my carrier at time of XXXX accident ). XXXX has made multiple attempts to contact collection co with no success. I mailed a debt validation demand letter to Caine & Weiner, I have not received a response. The alleged collection has now been reported to the major credit reporting agency and tarnished my good credit. Never have I received any information regarding this debt nor has my insurance carrier. My credit is tarnished, collection activities persist and Caine & Weiner will not provide information to me or XXXX insurance for a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCR

A section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United St
ates Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, # XXXX 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
Product: Checking or savings account

On XX/XX/2022 my daughter who I share this acct with went on XXXX XXXX purchased a XXXX from XXXX XXXX  for XXXX XXXX told her her payment would not go thru on XXXX could she use XXXX or XXXX XXXX she used XXXX  I beleive XXXX XXXX with dollar sign see communication attached XXXX  could not help XXXX took money closed out her acct and shipped nothing. We went to bank they say transaction accured and XXXX keeps mony this fraud we filed police report and det wanted to talk to bank they said no way to contact disputed the are not refunding money because merchant will not return there allowing fraud to happen and debit card has zero responsibility td bank I dispute 2x with bank will not help us
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct the reasonable investigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The CFBP has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some inaccurate information on my XXXX report that needs to be deleted for inaccuracy and unverifiability.
Product: Credit card

On XXXX XXXX, XXXX, I obtained a copy of my XXXX Credit Report which showed Capital One had ran XXXX requests for credit history information. These inquiries started on XXXX XXXX, XXXX. This was excessive so on XXXX XXXX, XXXX, XXXX XXXX an employee of Capital One, was contacted. He stated credit inquiries are ran as new applications for credit is received. On XXXX XXXX, XXXX, XXXX an employee of Capital One was contacted, she stated that once approval has been given additional credit inquiries are not needed, However, your payment history will be reported to the credit bureaus. On XXXX XXXX, XXXX, XXXX an employee of Capital One was contacted. XXXX stated additional credit inquiries will be made if additional applications for credit is received. I have not submitted any additional applications for credit in over three years. My account is current. If Capital One policy is to run credit inquiries when additional applications have been received, then constant inquiries into my credit history is not warranted.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report the account XXXX Account # XXXX incorrectly. The consumer agencies do not have access to my private financial records so there is no lawful way they verified these late payments. Remove these payment immediately or I will sue and ask that you place the financial records into evidence for my inspection.