23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Consumer Financial Bureau Compalint against XXXX XXXX. 

We used care credit for a patient XXXX XXXX. His " uncle '' XXXX XXXX had the care credit account. When we printed the form we found out that XXXX XXXX was not authorized to sign. We contact XXXX XXXX and he was added to the account my XXXX XXXX. On XX/XX/XXXX we called and spoke to care credit and it was verified that XXXX XXXX was authorized to sign the form. 

Sometime in XXXX XXXX XXXX and XXXX XXXX had a falling out and XXXX XXXX complained this was a fradulent charge which is not true. XXXX XXXX called care credit to state this. Phone calls were recorded. Care credit now state because the form was printed on XX/XX/XXXX and not reprinted on XX/XX/XXXX that XXXX could not sign. They could have informed us in advance of the need to reprint the form. They tried to remove the funds from XXXX XXXX XXXX a XXXX XXXX Corporation which we have protested. 

When they could not get the funds they proceeded to try and debit a different corporation XXXX XXXX XXXX XXXX, XXXX a XXXX XXXX corporation. This would seem to violate banking laws to take money from one coroporation to pay disputed funds of another. This crosses state lines as well. 

XXXX XXXX uses these predatory practices against the merchants. They should honor the payment and be subjected to fines and investigation for the cross corporate attempt theft. 
Also many phone calls etc
Product: Checking or savings account

I am writing to formally lodge a complaint against Wells Fargo bank regarding their refusal to open accounts for me, as well as the abrupt closure of my account with XXXX XXXX XXXX without prior notice or explanation. I believe these actions may reflect discriminatory practices against me as an Armenian individual. On several occasions, I have attempted to open accounts with these financial institutions, only to be met with refusals and no clear rationale for their decisions. Despite my efforts to seek clarification, I have received no satisfactory explanations or reasons for these denials. This lack of transparency raises concerns about potential discriminatory practices that may be at play. Furthermore, I would like to bring to your attention the troubling experience I had with XXXX XXXX XXXX. They closed my account without any notice, leaving me without access to my funds. This action has caused me significant financial distress and has further contributed to my feeling of being treated unfairly. I urge the OCC to investigate these matters thoroughly. It is crucial that financial institutions uphold the principles of fairness and equality in their operations, ensuring that all individuals, regardless of their background, are afforded the same opportunities and treatment. I appreciate your attention to this serious matter and look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting. The list or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A States that I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent or instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States that 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 or to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Debt collection

did not receive a court order to appear in court, being garnish for over 400,00 monthly by XXXX XXXX XXXX, no name on papers as to what co. I assume it was from XXXX XXXX XXXX for a credit card from XX/XX/XXXX or XX/XX/XXXX balance on card was XXXX XXXX, their bill XXXX XXXX.i received a check from XXXX XXXX XXXX dated XX/XX/XXXX. I paid insurance monthly covering the card in the amount of XXXX never cashed it first garnishment was XX/XX/XXXX no way I can afford this. Complaint # XXXX same as mine. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized. I applied for 2 vehicles and the 2 banks that I gave my personal information to, forwarded my personal information to other banks without my consent. Since that time, my credit report has been run numerous times without my permission. And in cases where I did give permission, they ran it repeatedly without my permission. These false inquiries need to be removed from my credit report. They are all listed below : INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX   XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX  XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX  XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX/XXXX  XXXX XXXX XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX   XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA 605B, I requested a block of information on my Experian, XXXX, and XXXX credit reports that are fraud, including proof of identity ( Drivers License and Social Security Card ), Identity Theft Reports and police report XXXX XXXX XXXX and XXXX XXXX XXXX, detailed identification of the fraudulent accounts on my credit report with copies of credit report, and a detailed letter stating the information on my credit report is fraudulent and not related to any transaction authorized by me. 

Accounts included : - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX ( previously determined to be fraud in XXXX XXXX XXXX Block. Except as otherwise provided in this section, a consumer reporting agency 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 by such agency of ( 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. 

These letters were received by each credit reporting agency by Monday, XXXX XXXX, XXXX via USPS Flat Rate with Tracking. 

It has exceeded the four ( 4 ) days allowed to block and remove the identified information from my credit report, and it has not been blocked. 

In addition, XXXX account determined to be fraudulent and removed from my credit report in XXXX XXXX are now showing up on my credit report again over the past two weeks. Once an account is determined to be fraudulent, it should be blocked from my credit report unless written notice is provided by the credit reporting agency and creditor that the account has been found valid and accurate accompanied by account verification documentation. This notice and information was not provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has shown blatant disregard for the FCRA. I have sent numerous correspondence requesting that two fraudulent entries on my credit report be blocked under FCRA Section 605B. My first try the credit bureau listed the fraudulent entries as verified. Upon my second notice, I was notified that the dispute did not come from me and it did. I tried to reach out to Experian to confirm I was in fact the person who sent the correspondence but I was rudely hung up on. I would like to add I include my identification documents each time I send letters to a consumer reporting agency.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Started A Investigation Through Credit Karma And Was Not Notified Of Completed Investigation And Was Told By A XXXX Representative that the investigation is still on going and that was at the thirty day mark now its 60 days in and still no update
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX  .... Balance : {$540.00} ; XXXX XXXX .... Balance : {$17000.00} ; XXXXXXXX XXXX .... Balance : {$6900.00} ; XXXX XXXX .... Balance : {$10000.00} ; XXXX XXXX .... Balance : {$5400.00}
Product: Debt collection

Dear XXXX XXXX ; Cfpb ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a phone call from XXXX XXXX stating that I owe {$820.00} to a loan company called XXXX XXXX XXXX. The representative I spoke with did not provide me with a disclaimer stating this is an attempt to collect on a debt and she also recorded the call without providing any notification that the call was being recorded. She stated that this account was still on my credit report and that it had not been paid. I advised her that this account was no long on my credit report and the information she provided to me was inaccurate. The representative proceeded to tell me that I filed bankruptcy in XX/XX/XXXX which is also incorrect. I filed bankruptcy in XX/XX/XXXX. Then the representative proceeded to tell me that I opened the account in XX/XX/XXXX however the account was actually opened in XX/XX/XXXX. I repeatedly advised her that the information she was provided to me was inaccurate and she continued to repeat that I still owe the debt. Said representative proceeded to tell me about other companies that are sister companies to her company that I had filed bankruptcy on previously. She received my updated information through a current loan application with a company that is also her sister company that I was unaware of. I did not give permission for my personal information to be shared with this collection agency or any other outside source. I have disputed this information before and they have continued to keep it on my credit report. The information that I was provided by the collection agency was as follows : an account number, which does not match my credit report, XXXX. The account number that is on my Trans Union credit report is ending in XXXX with an open date of XX/XX/XXXX. There are five additional accounts from the same collection agency that have been removed from my credit report that were included in bankruptcy back in XX/XX/XXXX. There is one account that was also included in bankruptcy that has still not been removed that I have repeatedly disputed. XXXX XXXX agency is in violation of the FCRA and FDCPA. I was also told that if I wanted to dispute this account that I must come in person to address XXXX XXXX. XXXX XXXX in XXXX XXXX Oklahoma which is also incorrect. I have since received another phone call from the same collection agency on XX/XX/XXXX from a representative by the name of XXXX XXXX XXXX XXXX  cst in which I have a voicemail recording of. Previous complaint from XX/XX/XXXX went unanswered by XXXX. XXXX has also continued to run a credit check several times without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX XXXX account XXXX XXXX have 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: Credit reporting, credit repair services, or other personal consumer reports

I sent via mail and by fax on XXXX XXXX to SageStream LLC that my freeze was to applied. I've yet to receive confirmation or any response for that matter that my request has been done. Thanks in advance
Product: Debt collection

The owners of business # 1, myself and my wife, were in the process of buying business # 2 in XXXX. We completed this process in XX/XX/XXXX. Last year American Express ( AmEx ) authorized a " pay over time '' feature for Business # 1 's AmEx. Business # 1 informed AmEx their balance would get substantially higher due to attorney fees and other fees related to purchasing the new business. AmEx informed B # 1 by phone that this was fine and there was no limit on the card, and even tested a $ XXXX transaction saying the test transaction was not declined. In XX/XX/XXXX B # 1 informed AmEx it was closing on B # 2 and would only put a few more expenses on the card, then begin paying the debt down via the " pay over time '' feature which was given. In XXXX, XXXX, or XXXX, AmEX suspended the " pay over time '' feature, causing the B # 1 bill to spike from $ XXXX $ XXXX to $ XXXX. Before the payment was due, I called AmEx to explain that we would not be able to pay the $ XXXX, which were transactions after the unannounced " pay over time '' feature. AmEx said to wait until the payment was due, then call customer service to re-explain the situation. Since XXXX of this year, B # 1 has been making small payments to AmEx and seeking smaller payment plan options without closing the account. The problem would never been a problem if the " pay over time '' feature was n't removed. That is the single reason payments became delinquent. AmEx explained to me that the feature was removed as " protection '' for me due to the credit bereau 's reports about my high credit to debt ration. I said it did the opposite and made it impossible for me to catch back up. As of XXXX XXXX, I told AmEx I needed a payment plan without closing the card, since the only reason we fell behind was due to the " pay over time '' feature being suspended. I told them I could make larger payments which still were smaller than the minimum amount due if they would n't close my card. AmEx could not offer any guarantee that they would not close my card. So I am stuck in a situation where I can continue making payments all without the guarantee that they would not close my card. If they close my card, it hurts my credit and lose over 70k of rewards points attached to the card. On top of this, I have another account with AmEx for the new business where payments are current.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate personal information on my consumer report. The only correct address associated with me is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All other listed addresses are incorrect and must be removed. My sole employer is XXXX XXXX XXXX XXXX XXXX, and any other employer details should also be deleted. Additionally, please remove all phone numbers on my report. Per the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure all reported information is accurate. Incorrect addresses and other personal details not only violate the FCRA but may also disrupt postal deliveries and cause unnecessary complications. I request immediate correction of these inaccuracies and confirmation once the updates are complete.
Product: Student loan

I received a forbearance by a gentleman on the phone who assured me that a forbearance would get rid of my late student loan payments ( which I could n't make because I lost my job ). On XXXX and XXXX he kept his end of the bargain and they deleted the past student loan late payments, but on XXXX, I am still showing as late. 

I was recently promoted at my job and will have no problems paying my bills on time Please update XXXX to not show the late payments as discussed in the forbearance and I will be satisfied and my financial future will be back on track. 

I have attached a copy of my XXXX XXXX credit report, dated yesterday that I paid for, as well as a close-up image showing the discrepancy. 

Thank you for your assistance in this matter, and I look forward to seeing the result showing as it should be properly reported per my verbal conversation with the representative at Great Lakes,.
Product: Debt collection

I have been trying to dispute this collection for at least a year now. I have not got in contact with anyone and no body has gotten in contact with me. I had and still am being covered by XXXX. This is the only account holding me back. I would like for this collection to be removed. Thank You. : Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$940.00} {$940.00} Payment Info Original balance {$940.00} Balance {$940.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX  ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024i permanently opted out of promotional credit screening with the three credit bureau ( XXXX, Equifax and XXXX and all three credit bureaus are still doing soft inquiries into my credit without my permission after I opted out. 
XXXX XXXX I opted out from them a year ago and they are doing up to XXXX credit check per month. 

I called today and all three credit bureau their representative stated it says I am opt out. I asked them then why are the credit bureaus still checking my credits. XXXX is also doing soft check on my credit. 


Why arent these companies not following the guidelines set by CFPB