23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I disputed on XX/XX/XXXX to XXXX, XXXX, and XXXX. however it's been more than 30 days and the credit bureaus failed to send my investigation back. this is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ). before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection company " XXXX XXXX XXXX '' is reporting a debt that has exceeded the 7 year reporting window. I've disputed the age of the debt with all the three credit reporting agencies and requested the collection company report the " date of first delinquency '' to verify the age of the debt. The company merely replied that the information was accurate, without actually providing the true age of the debt. The dispute merely results in a note attached to the collection stating " Dispute resolved, customer disagrees. '' I believe this is a simple case of debt " re-aging '' and the collection agency is inaccurately reporting the debt.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT IN THE RESOLUTION BOX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TO : YOUR COMPANY I am writing you to dispute the status of these inaccurate accounts reporting on my consumer report. 
In accordance with the Fair Credit Reporting Act ( PASSED BY CONGRESS ). 
You are reporting invalid, incomplete, inaccurate, and incorrect information on my consumer report. 
YOU ARE REQUIRED BY THE RULES OF THE FCRA TO REPORT VALID, COMPLETE, ACCURATE, AND CORRECT INFORMATION ON A CONSUMER REPORT. 
607. COMPLIANCE PROCEDURES 15 U S C 1681 e ( b ) Accuracy of a Report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the INFORMATION concerning the individual about whom the report relates. 
According to the FCRA 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY, THROUGH PHYSICAL VERIFICATION WITHIN 30 DAYS, TO DISCLOSE ALL INFORMATION ( THAT YOUR COMPANY HAS ON MY CONSUMER FILES, PROVING THAT THESE ACCOUNTS ARE ACCURATE ). ( 15 USC Section 1681 s-2 ) IF YOU DO NOT DISCLOSE THIS INFORMATION OR HAVE THE INFORMATION THAT I HAVE REQUESTED, ( LACKING PROOF THERE OF ) YOU MUST REMOVE AND DELETE THESE ACCOUNTS ACCORDING TO FCRA REGULATIONS. ( Section 1681s-2 ( b ) ( 1 ) ( E ) WHEN DISPUTED INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE FURNISHER MUST DELETE AND PERMANETLY CEASE REPORTING THE DISPUTED INFORMATION ). 
DELETE THESE ACCOUNTS : ( XXXX XXXX XXXX Account # XXXX ) ( XXXX FCUAccount # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX WirelessAccount # XXXX ) ( XXXX WirelessAccount # XXXX ) ( XXXX  FinanceAccount # XXXX )
Product: Checking or savings account

I tried working with citibank regarding an error committed by them. My account had money STOLEN from me by XXXX XXXX and I was told I was an error and it wasnt their fault. I then went to citibank to fix it because they knowingly let it happen and just sat there. It was {$1300.00}. I have contacted citibank numerous times talked to supervisors on XXXX the supervisors names were XXXX, XXXX, XXXX XXXX, and XXXX . XXXX did try to help and work with me so kudos to him. The investigators were sent documentation and proof the money was already paid to XXXX from another account on XX/XX/2019. They then quickly closed the investigation and said not their fault. I then have appealed the decision on XX/XX/XXXX of 2019 so I could get my money back or at least a provisionary amount to which I was denied. I talked to XXXX XXXX about this situation and was told that no matter what I did citibank will not change their mind. I just want my money back so I can leave citibank forever!! I have documentation to back up my claim.
Product: Credit card

I received a letter from CITI stating I was denied on an application. I haven't applied for anything. I tried calling them and could never talk to anyone about my problem.
Product: Credit reporting or other personal consumer reports

Several listed inquiries on my credit report that I did not authorize. I've filed a dispute with Equifax regarding these inquiries.
Product: Credit card or prepaid card

On Saturday, XX/XX/2019, I was at the XXXX Mall for holiday shopping. The merchant, XXXX XXXX XXXX ( merchant ), operated a holiday kiosk on the second level of the mall. Upon passing by the kiosk, a salesperson from the merchant kiosk approached me directly and asked if he could introduce me to his line of products. I agreed and allowed the salesperson to demonstrate his products. 

When the demonstration was finished, the salesperson revealed the cost of the products. I specifically asked the salesperson if the products could be returned if I did not like them. The salesperson assured me that the products could be returned or exchanged and the sale was closed. My Capital One Credit Card was charged {$370.00}. 

Half an hour later I found the same products online for a greatly reduced price. I contacted the merchant at the phone number listed on the receipt. There was no answer and the call went into voicemail. I contacted the merchant by text to document the discussion and demanded a refund. 

The salesperson stated that the merchant would match any price found cheaper on the web. I stated that I no longer wanted the product and requested a refund. Merchant stated in text that You have money back guarantee and promised to put me in contact with the merchant customer service the following Monday. 

Shortly after, I had an allergic reaction to the products. 

The salesperson never contacted me as promised on Monday, XX/XX/2019 and all calls to the customer service number listed on the receipt went directly to voicemail. 

I have made a good faith effort to resolve this issue with the merchant and Capital One. The merchant is non responsive and Capital One has ignored clear and convincing evidence that no refund policy was listed on the merchant 's credit receipts. During initial text conversations with the merchant, the merchant clearly stated that a money back guarantee existed.
Product: Credit reporting or other personal consumer reports

There is a XXXX credit card listed on my credit report stating I owe a balance, I have no knowledge of this account
Product: Credit reporting or other personal consumer reports

More than one month ago, XX/XX/2024, my request for a copy of my free Equifax credit file disclosure was received by the Annual Credit Report Request Service at XXXX XXXX XXXX, XXXX, GA XXXX, as confirmed by USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX. Despite this confirmation, I have not yet received my Equifax credit file disclosure pursuant to my XX/XX/2024 request. 
My first name is XXXX XXXX ; my middle name is XXXX and my last name is XXXX. My first name is NOT XXXX. I do NOT recognize first name XXXX. I am NOT known by first name XXXX.
Product: Debt collection

- XX/XX/2023 AMCOL System, INC. sent me a letter stating I owe XXXX XXXX XXXX XXXX  XXXX {$1400.00}. I called the day after to dispute my debt because after I checked the evidence of benefit from my insurance, the amount didn't match up. So, when I called they asked me to fax the evidence of benefit to prove the amount they presented was wrong. Additional to that, they informed me that I owed more money which I never received the bills from the hospital. Then I asked for an itemization of the bill. 
- XX/XX/2023 I faxed the evidence of benefit to AMCOL. 
- XX/XX/2023 I received another letter from AMCOL stating I had more debt. This time, it was {$720.00} from XXXX XXXX XXXX XXXX XXXX. Again, I have never received any bill, so I ask for the itemization for the bill. I also reminded them about the itemization that I have been waiting for from the last I spoke with them. 

I feel some thing is not right here when they want me to pay for the bills that I have never been billed for. Its more like scam. Yet, it is the debt collector that Ive never wanted to mess up with. I hope someone can help me sort this out. The total amount they said I owed was {$2400.00} which again Ive never gotten the bills.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I submitted this to the cfpb XX/XX/scrub> 2025 and it is XX/XX/year>2025 and no movement on this complaint!!! 

These unauthorized inquiries were done without my knowledge or permission.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Checking or savings account

My son wants to but a beneficiary on his account at chase. And they won't allow it unless he comes into the bank. But he's in the hospital waiting for a XXXX. How do handicap people do it. It's a catch XXXX. And not right. That you can transfer money, withdrawal money without going into the bank. But for a beneficiary they won't allow it. I told them he's sick in the hospital and they told me to bad.
Product: Debt collection

We were contacted by phone, before XXXX XXXX  ( outside of traditional business hours ) by a collections agency called ERC, claiming to represent a receivable owed by us to cable provider XXXX XXXX dating to our move from XXXX XXXX  XXXX in 2020. 

We do not and have never owed any money to XXXX. Indeed, since they bill in advance, it's more likely that they owe us a pro-rated refund. This has been explained to a previous collections agency, but the alleged and invalid receivable seems to have been resold. 

The ERC representantives were rude and XXXX, calling outside of normal business hour and demanding information without properly disclosing that any personal information offered would be used to attempt to collect the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute to Equifax requesting a reinvestigation AND Method of Verification about the following account Fair Collection & Outsourcing dated ( Account Number XXXX ; Opened XXXX, XXXX ; Balance {$960.00} ). Equifax just sent me automated reply without providing proof of " Method of Verification ''. I have requested Equifax method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).
Product: Debt collection

I first received a written notice from XXXX XXXX XXXX in XX/XX/2019, so I immediately contacted them and asked them about this account. They confirmed they were sending notices to an incorrect old address in a different city and I advised them of my New Address. On the phone they collector was extremely irritated and rude, and kept making reference to " legal action '' and being " sent to an attorney '' - I felt like they were jumping the gun here as I had never been given a proper notice allowing me to dispute this debt or resolve it prescribed by the FDCPA. I then receive a pre legal notice making more legal threats against me, so I called them again on XX/XX/2019 to attempt to resolve this. Again I was met with legal threats every other sentence. I felt like they were trying to intimidate me to the point of paying significantly more than what I truly owe on this account. They also kept stating that they have not added on any " fees '' after, but this is an extremely misleading statement. They are not even allowed to add on any more fees since the account has been charged off, so no interest or late fees are supposed to accumulate anyways. They are deceitful and misleading. I attempted to settle with them for a reasonable amount of {$2000.00}, and even raised my offer to {$2500.00} but was met with more legal threats and I frankly had to terminate the call before I began to say thing I might regret, that's how condescending this person was.
Product: Mortgage

SLS managed my HELOC account and was acquired by Newrez/Shellpoint earlier this year. I received monthly statements from Shellpoint for the months of XXXX and XXXX. Those statements were accurate for both credits and debits to the account. In XXXX I received both a letter and voicemail indicating I missed a payment. I called and was put in touch with a Shellpoint representative that indicated they were a debt collector. I called Shellpoint 3 or 4 times in XXXX trying to get my account corrected. I have called 6 times in XXXX. I have been told many times it would be researched and escalated to a manager for rectification. Today I was told by a supervisor they have no idea when the problem will be fixed. Newrez/Shellpoint has received {$18000.00} via XXXX deposits since early XXXX  and can not tell me where my money is. My account principal balance end of XXXX  was approx. {$52000.00} and now is up to approx. {$72000.00} and they can not explain why. They just keep sending late notices and XXXX regarding lack of payment, even though I have screen shots of the direct deposits.
Product: Checking or savings account

I was notified through my email that I was signed up for online banking through bank of america. I do not have an account with Bank of America and called their Fraud line. The account was An Application for a checking account using my maiden name. The application was flagged for their review. And I placed a freeze through the check 's system.
Product: Debt collection

A letter was illegally sent to my employer ( in  XXXX they have a   XXXX   XXXX   XXXX   drop box ), illegally threatening to sue them if they did not garnish my wages ( non-court ordered ) under a non-existent Federal regulation (  34 C.F.R. section 682.410 ( b ) ( 10 ) ( I  ) ( F ) ).   The collection company is  Delta Management Associates , Inc   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX , MA  XXXX  ) ; phone number  XXXX  ; email -  XXXX  XXXX  XXXX .   In my attempts to call this company, I was placed on hold for an extended amount of time and considering that I live in a foreign country, to remain on hold was cost prohibitive.
Product: Credit card or prepaid card

I advised SYNCHRONY BANK XXXX XXXX. XXXX XXXXXXXX XXXX, FL XXXX that the introductory offer of XXXX XXXX ends on XX/XX/XXXX, NOT on XX/XX/XXXX as printed on the statement I sent a letter on XX/XX/XXXX. I called your customer service on XX/XX/XXXX to point out the error. The digital letter I received does not address the reason for my phone call, i.e., the incorrect end of promotional APR printed on my statement. 
I sent a second letter on XX/XX/XXXX because an interest charge of {$63.00} was assessed on my statement ending XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Credit Reporting act. the list accounts below have violated my federally protected consumer rights to privacy and confidentiality. Account # XXXX XXXX XXXX open date XXXXXXXX XXXX XXXX And XXXX XXXX  reported Account XXXX U.S.C 1681section 602A.Section 1 States I have the right to privacy. 15 U.S.C 1681section 604A Section 2 : It also states a consumer reporting agency can not furnished an account without out my written instruction. 15 U.S.C. 1681c ( @ ) ( 5 ) Sections states no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedate more than seven years
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, Original Creditor : Not Available Creditor Contact : Not Available, add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Name are violating my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Checking or savings account

on XX/XX/2020 i was contacted by the individual who contacted me on XX/XX/2020 about an XXXX scam. this XX/XX/XXXXscam started with usaa federal savings. this individual almost got into my usaa accounts again through an XXXX and an XXXX phone at the same time. i have 4 other banks on this XXXX phone. he was only interested in my usaa accounts. after i got him shut down i went to a different contact for XXXX this contact verified that it was a scam. i got my account straight with XXXX and they advised me to contact FTC about what happened. i now have aqn account with the FTC. on  XX/XX/XXXX this scammer again was only interested in my usaa bank account. usaa is not investagating what is happening. they will not admit that i tried to stop this scam because they have chosen to support the scammer. they have admitted that they did not try to stop this scam untill 3 days after it happend. i have documentation on this. 3 days was to late. when i called the bank on XX/XX/2020 ti stop the scam and freeze my accounts they refused to do it. they supported the scammer i am a XXXX vet and very easily taken advantge off. and that is what this bank is doing. that XXXX should have been put back in my saving account but i belive it went into an employees account.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Account Opened in My Name XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Ny XXXX ] [ XXXX XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] Dear Sir/Madam, I am writing to formally dispute the fraudulent account listed below on my credit report, which I believe is a result of identity theft : Creditor Name : [ XXXX ] Account Number : [ XXXX ] Date Opened : [ XX/XX/XXXX ] Amount : [ {$180.00} ] I have never authorized the opening of this account and was unaware of its existence until I reviewed my credit report. This unauthorized activity violates my rights under federal law, specifically 15 U.S.C. 6802, which mandates that financial institutions protect consumers personal information, and 18 U.S.C. 1028A, which criminalizes the unauthorized use of anothers identification. 

Requested Actions : 1. Investigation : Please investigate this matter promptly, as required by the Fair Credit Reporting Act. 
2. Account Closure : Close the fraudulent account and absolve me of any charges associated with it. 
XXXX. Confirmation : Provide written confirmation of the accounts closure and the removal of any related information from my credit report. 

Please note that under 15 U.S.C. 1681c-2, credit reporting agencies are required to block information resulting from identity theft upon receiving appropriate documentation. 

I appreciate your prompt attention to this serious matter and look forward to your confirmation that the fraudulent account has been closed and removed from my credit record. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX they trying to collect 2 old account? Each one for XXXX $ For total XXXX I always explain thats was identity thief Im tired to explain my self to this company they take off account or get another Company and bring it back to me credit. Im not going to pay this I never get any service with them or any other company they need to leave my credit and me alone is upset me all the time they doing the same I dont receive any service from XXXX XXXX  or XXXX XXXX  back in the day! Please take it down of my credit always I send police report
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XX/XX/2020, XXXX XXXX Inquiry :XX/XX/2020, FIFTH THIRD BANK Inquiry : XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

i call to XXXX and they said that I has to call XXXX, when I call XXXX they said that they not have a XXXX inquiry in my credit report