23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi there, I am writing to express serious concerns I have. I was going through my email as I normally do each night and I noticed I received several emails from XXXX XXXX and XXXX stating I had a derogatory remark. I immediately went to verify if this was true and it looks like my credit score has dropped terribly. I am in the process of gathering information because I do not even know what credit was due nor was I ever notified. If I had simply been notified this would have been paid and prevented a time ago. At this point I have no idea who the creditor was or what was owed. I am extremely concerned and pretty upset. About a year ago I moved addresses and updated my drivers license so I would have expected any important mail to be sent to my current address. I have received nothing. Nothing stating any form of debt was owed. It is currently Friday at XXXX and I have not had any chance to call the collection agency and gather information. I am extremely sad from hearing this news. Please let me know what can be done and if there is anything I can possibly do to help.
Product: Credit reporting or other personal consumer reports

XX/XX/year> my amex was closed as I was an authorized user on my husbands account XXXX and XXXX have closed the account and taken it off my profile.Experian has not and will not. they say they were not notified .they also have different account numbers than XXXX  on their files. 
XXXX said they were notified on XX/XX/year> and also that the numbers I gave them do no match my accounts with the, I have called twice and keep getting the same response. XXXX said they have had this problem with experian often!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent several letters out to XXXX, XXXX and Transunion about not having the accounts verified through electronic verification and provide me with documentation showing the validity of these items. Two letters have already gone to XXXX, XXXX   and Transunion asking for personal verification and not electronic, and all 3 credit bureaus continue to verify it as correct through electronic verification. They did not contact the creditors personally, but did it though electronic verification after I requested that they do not use that form of verification and to verify my signature. They have failed to do this request. I do not have the correct account numbers since all they have is X and not the correct numbers. The bankruptcy is incorrect and they will only verify thought XXXX and not personally from the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email claiming I was late on a payment. I went ahead and paid the past due amount plus what was due the next month. Then I find out a day later that they dropped my credit score 180 points AFTER I made the past due payment. The company acknowledges that my account is in good standing but says that I have to dispute on here to get my credit score back up.
Product: Credit card

I just received the fourth notification letter from SYNCHRONY BANK since XX/XX/XXXX of this year about needing additional information associated with a credit application ( three were associated with WALMART and the most recent dated XX/XX/XXXX for JC PENNEY. Trouble is that I have not applied for a credit card with these companies. Within a day or two of receipt of the notifications I called the number listed within the notification letter to complain and was told that their fraud department would be notified to prevent issuance of a card for my name and address but apparently they do not know how to stop processing applications under my name and address or their fraud department is a bit indifferent as to this type of harassment.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I received an email from Experian notifying my that my Credit file had been Automatically Unlocked because my fee paid service was cancelled putting my financials and myself in great harm! 
Previously you can see from an earlier complaint against Experian I was given a free year of service from the XXXX XXXX XXXX XXXX XXXX but because I was already paying member they wouldn't let me utilize the free one from XXXX XXXX XXXX. Your help fixed their evil idiocy. 
When they finally understood their mistake with your help/directions they gave me my XXXX & XXXX XXXX XXXX and canceled my paid subscription. 
A week later after " resolvement '' I get this email saying, " because I cancelled my paid subscription my Credit File has been automatically Unlocked '' leaving me completely vulnerable. EVEN THOUGH I PRESENTLY HAVE THE XXXX XXXX XXXX SUBSCRIPTION. 

These aimless idiots!! Again I tell you, to many departments and these careless clueless idiots are going to hurt someone because they have TO MANY DEPARTMENTS!! ONE HAND HAS NO IDEA WHAT THE OTHER HAND IS DOING AT ALL and WE PAY THE ULTIMATE PRICE!! 

Please help save us from this XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

I learned that Freedom Mortgage had acquired my loan in XXXX of XXXX at which time I contacted them to let them know I get paid on the XXXX and XXXX of every month to which they replied " No Problem '' we can handle that for you. On XX/XX/XXXX I learned that Freedom Mortgage had reported my mortgage payment for XX/XX/XXXX as 30 days late which severely impacted my credit score. Upon further investigation, I also learned that they had increased my mortgage payment beginning in XXXX of XXXX without my knowledge. My payment amounts did not change in the entirety of this timeline, however Freedom Mortgage claims they were taking the {$38.00} increase from escrow to cover the payment every month except XX/XX/XXXX. The explanation from Freedom Mortgage was that they saw an upcoming escrow withdrawal and did not want to risk taking the {$38.00} again for XXXX. No Calls, No emails from Freedom, just playing XXXX with my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that are not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX   : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX ) XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX  : XXXX ). 

Thank you for all your help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts was paid as agreed on time I was never late on theses items listed and this is information is inaccurate and completely false. You can not report inaccurate information this a violation. I have wrote in several times reminding everyone of FDCPA false misreporting so please update account to current and paid as agreed on time. 

Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : $ {$3500.00} Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : $ {$6000.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$4500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$6000.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$18000.00} Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account : CAPITAL ONE, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for failing to comply with the Fair Credit Reporti

ng Act ( FCRA ), specifically violations of the following sections : 15 USC 1681e ( b ) ( Duty to ensure accuracy of credit reports ) 15 USC 1681s-2 ( Duties of information furnishers ) 15 USC 1681i ( 5 ) ( Failure to conduct a timely and reasonable investigation of disputes ) 15 USC 1681c ( c ) ( Failure to properly remove outdated or inaccurate information ) I have sent multiple dispute letters to Equifax regarding inaccurate information on my credit report, but they have not conducted a proper investigation as required under the FCRA. They have failed to respond within the required time frame and have not corrected the errors on my report despite the fact that I have provided evidence supporting my claims. I recently learned about the CFPBs action against Equifax, which found that the company improperly handled credit report disputes and failed to conduct proper investigations, as outlined in the order to pay a {$XXXX} XXXX settlement. I believe that XXXX failure to comply with the FCRA in my case is consistent with the issues raised in the CFPBs investigation. 
Detailed Account of Events : Date ( XXXX ) of dispute submission : [ XXXX, XXXX ] Disputed items on my report : [ Inaccurate account XXXX XXXX XXXX ] Response from Equifax : [ No response ] Evidence submitted : [ proof of my credit report from 3 different credit bureaus reporting different information ] Requested Resolution : I respectfully request that Equifax : 1. Complete a thorough and proper investigation of my dispute, in compliance with the FCRA.

2. Correct any inaccuracies on my credit report.

3. Provide written confirmation of the actions taken to resolve my dispute.

4. Ensure compliance with the FCRA moving forward to prevent further errors.

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

This is about a complaint i loged against the company XXXX XXXX XXXX with the cfpb on XX/XX/XXXX for triying to garnish my wages.the complaint # is XXXX. 
In their response the company indicated That they no longer own the debt and i should contact XXXX XXXX  which is just a debt relief law firm.XXXX XXXX XXXX just send a certified letter to my job place to start garnishing my salary.they actually deceived the cfpb by saiing they transfer the debt to XXXX.the proof is XXXX XXXX XXXX is the plaintif against me ( i will attach the copy of the letter send to my job ) .As i said before why do they asking me to paid {$3800.00} plus interest of XXXX. 
I spoketo someone who said the debt is from XX/XX/XXXX and i can find it on my credit report.please help i makeabout $ XXXX/weekwith a family of XXXX.XXXX XXXX XXXXstill triying to collect with the help of XXXX XXXX XXXX XXXX.thznk you
Product: Money transfer, virtual currency, or money service

Venmo has stolen from my account {$1700.00}. Venmo froze my account so that I cant even close my Venmo account. I am feeling helpless and trapped. People Venmo me funds and Venmo accepts on my behalf ( I didnt accept/approve ). Then they take the funds away. Please help.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have 7 hard inquiries on my TransUnion credit report that were not authorized by myself in relation to obtaining a mortgage. This is fraudulent information. I have contacted TransUnion in relation to this via telephone to no avail. I also sent off a 609 letter dispute letter via US certified mail asking for information being held by Transunion that shows original application/authorization from myself to initiate these inquiries, and received no response within the 30 day FCRA guideline. I also sent a demand to comply letter as a follow up to this issue to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Equifax way to go on not doing what the law requires. XXXX - How dare you insult me! What is it about my previous complaint that would make you think I am not intelligent enough to have written it when it's my truth!! I'll tell you what else is the truth. I went through the statements and found proof that not only am I making the monthly payments so the late history is inaccurate and CLEARLY not verified! But the balance is also wrong. The date of the last payment is wrong! So if you want to ignore me or make me jump through hoops maybe I should turn the FULL payment history, the multiple letters to the bureau and the creditor, the CFPB complaint, and the monthly statements over to a consumer attorney and to see if I have a lawsuit! I'm paying XXXX XXXX and they are NOT in compliance with FCRA reporting and your bureau did a half-assed job on looking into this. All I want is this corrected IMMEDIATELY!!
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and that tracking these transactions was not feasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I used XXXX in 2023 on my mobile banking account with JP Morgan Chase. I ended up sending the money to a scammer who advertised herself as being a real sales person. I then tried to ask chase for a refund and they refused.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have numerous banking relationship with Chase for many years including some Credit Cards, and auto loan. However, I was late on a monthly payment of {$59.00} XX/XX/2017. 

*I was XXXX XXXX XXXX ( attached Birth Certificate ) *I worked until the last 2 days prior to I XXXX  XXXX XXXX XXXX XXXX * I have enough money in the bank ( attached new address with proof of Fund ) *I also had moved twice during that 6 months period ( attached/proof of Fund ) *I had already notified Chase with my new address prior to my move. And I was late for my monthly payment because I did not received any monthly statement at my new address. 

Chase responded that they have no record of any address update request during that period.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : XXXXXXXX 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

It has been a battle going through this and I am submitting this complaint to delete this fraudulent item in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to responds to JPMCB claim that they never ran my credit which in fact they did On XX/XX/2022 JPMCB - unlawfully run my XXXX credit report without my permission. I put screenshots. JPMCB is in violation of FCRA for obtaining my credit report without my consent and because of that i am seeking damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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