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

This is probably my 4th complaint with these two companies. Im truly sorry for constantly messaging you all but how can we let this be? 

XXXX, XXXX, XXXX, XXXX and XX/XX/2020 Carter-Young INC stated that I had a balance of {$3600.00} XXXX  XXXX XXXX stated they had a charge-off of {$470.00} For 4 months straight I have been disputing with The 3 Major Credit Bureaus along with the companies ( Alleged creditors ) directory to get them to prove to me that the information that they are reporting is accurate. 

Each time I would dispute the validation of debt or verifying of debt ( two different things ) they would always come back with some paper saying its mine and they would like to settle. I would dispute it again and again and again yet they refuse to send me any form of proof. I have read receipts as to when they received the items as well because I was instructed by my attorney to have everything I sent them certified mail. 


They according to the united states supreme court and thousand more cases have not done so. Not only have these companies not done so They have yet to provide documentation stating I have a obligation to pay them along with anything baring my signature as required by law. They would send me a copy of an itemized bill in a letter without any signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Its like everyone out there is sleep on the law. Why do we let them get away with this?? 

I was very specific as to what law and section during my challenge process. 
Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ) ( This is the LAW ) Their actions are none other than 1 ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) They sent updated response to the bureaus that the items meet the FCRA requirements without proof. How could this be when I am very specific about the law. 

The companies XXXX  XXXX XXXX and Carter-Young These accounts are FRUAD Obviously and I am begging one last time before I ignite the lawsuit against them along with the credit bureaus. 

XXXX  XXXX XXXX is still trying to collect on a debt they sold! Why is this? It isn't mine. Is that even legal?
Product: Checking or savings account

I am submitting a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have been charged. Although I had sufficient funds when the transactions were authorized, I incurred fees due to delayed posting of charges and credits. This issue reflects the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request a thorough review of my account transactions.
Product: Credit card or prepaid card

Dear Sir/Madam, In short, American Express " the big name '' in the financial sector, phone operators are trying to trick me into getting some money from my card and also blackmailing me to divulge my bank account details to them over the phone so then the operator can possibly take some advantage of that. Just so you understand, American Express already has my bank account details saved on my Amex account but still the operators want me to divulge my account number, routing number to them on a personal level. 

1 ) I spoke to a female manager 2-3 days ago about the {$31.00} credit sitting in my XXXX XXXX XXXX. I requested the manager NOT to send me a check but to put the money in my bank account, the bank account details are already set up in my American Express account. She said it would take take upto 3 days for the redeem to complete and then once the amount shows up in my card, she will wire the money in my bank account. I told her I am currently overseas and gave her my overseas mobile number and she said she will call me in my overseas phone number and confirm me on the wire. Never got a call back from her. Then a day later received a message saying there is not enough money in my card to be sent to my bank account. 

2 ) Called American Express today and the female representative says that email was sent before the amount showed up on my card. She then asks me to provide my bank account details and the routing number to her on the phone. I told her my bank account details are already set up in my Amex account. She said I still need to give her my bank account details on the phone for her to put the money in my bank account. She said she would not tell or give my bank details to anyone and that I can trust her. ( What she was saying, these kind of things normally come from scam calls we receive on our phones sometimes. ) She sounded very suspicious and strange. I hung up the call and call again. 

3 ) I ask for a manager directly and I was put to a male supervisor. The supervisor said the system is not letting him transfer the money to my bank account. He said he will speak to the first manager. 

4 ) Few hours later I again called Amex and this representative named ( XXXX, ID XXXX : From their XXXX, XXXX OFFICE ) put the call on hold for over 1hr and deliberately refrained from getting a manager on the call. 

2 hours on phone call with Amex and I could not get my {$31.00} transferred to my bank account. This is not what we expect from American Express. Exactly how much crap would I need to take to get this money sent to my bank account!?
Product: Credit reporting or other personal consumer reports

I am filing a compliant 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, Equifaxs actions may also contravene the Consumer Finance Protection Act ( CFPA ), 12 U.S.C. 536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs 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.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  XXXX on XX/XX/XXXX with a balance of {$620.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the XXXX payments will result in legal action being taking. 

Remove late payment on this Account XXXX. XXXX XXXX XXXX XXXX. Acct # XXXX XXXX. Opened XX/XX/XXXX XXXX. ( XXXX showing XXXX XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XX/XX/XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
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 15USC1681.15 U.S.C1681 section 602 A States I have the right to privacy.15USC1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.15USC1681c. ( 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 XXXX years.15 USC1681s-2 ( A ) ( 1 ) A person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX **Date : XX/XX/XXXX, XXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXX **Subject : Formal Complaint Against XXXX XXXX** To Whom It May Concern : I am writing to file a formal complaint against XXXX XXXX regarding their failure to remove debts included in my federal bankruptcy from my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite my previous attempts to resolve this issue directly with XXXX XXXX, the incorrect reporting of these debts remains on my credit report. This debt is still being reported to all three credit reporting agencies, and most notably, Experian has continued to show the balance, late payments, and the debt to date. 

I request the CFPB 's assistance in resolving this matter promptly. XXXX XXXX  must comply with federal law by updating my credit report to accurately reflect the discharge of these debts in bankruptcy. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Date of Birth : XXXX Last four of social : XXXX
Product: Credit reporting or other personal consumer reports

I can not open a checking account for my company, XXXX XXXX XXXX, because of a wrong information in my credit report. ChexSystems reports wrong information to the banks for an account which I complained several times to the bank for fraud transaction but the bank did not take any action. I do not owe anything to the bank, they owe me for that fraud transaction. ChexSystems reports the negative remarks to the banks and I can not open a bank account for my company which is my lawful right. This has affected me severely. Without a business checking account, I can not do business and I can not apply for business loans. ChexSystems is liable and responsible for affecting my life and my income severely. I hold every right to file a lawsuit against ChexSystems for its wrong reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following companies and XXXX know that I have seen many unrecognized and unauthorized inquiries into my credit report that I did not do. I have yet to recieve an response from XXXX or the companies regarding my request to remove/investigate these inquiries. The inquiries in question are ; XXXX XXXX XXXX :XX/XX/XXXX, XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Comenity Bank : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX :XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX XXXX :  XX/XX/XXXX,XX/XX/XXXX Aliance XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially made a payment to capital one in XXXX and set up a payment plan with them I paid the account in full as of XX/XX/XXXX roughly capital one has consistently reported it incorrectly stating that it was a charge off of {$800.00} and this is incorrect and still stating that I owe them {$250.00} which is incorrect I have found them multiple times in the last 30 days and they still haven't corrected the issue either has experience I like how the item completely removed off my credit report now since they had multiple opportunities to correct it and are reporting it incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

Most of the questions asked were not about my problem! 
My credit numbers dropped significantly because of this problem. 
First off I have two business accounts at WELLS FARGO. 
I applied for a credit card from WELLS FARGO approximately XX/XX/2019. I received a negative response from WELLS FARGO ( approx. XX/XX/XXXX ) stating that I was turned down because ... ... I WAS DECEASED???? How ignorant when I have two accounts with them. 
Please help as it has effected my credit very much
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX,2020, I signed for my home with Veterans United Home Loans . I paid the first payment that was due on XXXX XXXX, 2020, and at that time I set up a recurring automatic payment for all future payments. When I realized my XXXX and XXXX payments were not taken out of my account, I immediately called to make those payments over the phone. At that point, I resubmitted the automatic payment details and reconfirmed that it was set up -- again. 

I am making this compliant to the CFPB after filing a compliant with Veterans United Home Loans to dispute the late payment added to my credit report. Contrary to their claim, I was not notified about any missed/late payment. Veterans United Home Loans refuses to substantiate their claim of attempted notification with any proof. They are unwilling to admit the error even though they erroneously sent me repeated emails congratulating me on closing my home loan while my application was still being processed! 

I am requesting the CFPB to investigate the matter and have the inaccurate reporting notification be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several complaints regarding the unauthorized account in my in name by XXXX. It was removed from my credit on experian several years ago and reappeared in XXXX. I have been complaining and asking for proof. I submitted a police report. I have now contacted XXXX who told me they have no contract signed by me or any verifiable information. They still refuse to remove from my credit. Please help me as I have asked for your help several times. This is illegal to continue to put a fraud account on my credit without being able to verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX and XXXX beginning XX/XX/XXXX. I mailed out dispute letters XX/XX/XXXX concerning a XXXX card debt, XXXX card debt and XXXX bank debt. I mailed out letters via certified mail but never received a response back from either XXXX or Experian. I called both companies earlier this month to ask about these accounts that are not mine and they told me over the phone that the accounts had been verified by the creditors. So I asked Experian why didn't receive a returned signature receipt from my certified letter or even a response letter about the dispute? They told me that they sent the update to my email on my Experian account. I told them I don't have a Experian account and I specifically requested that my response be sent via mail to my home address anyways. They still refused to send it out. I also spoke with XXXX and they said that it was verified and they don't know why the dispute response letter hadn't been sent out yet and that they would send it out in 3-5 days. So on XX/XX/XXXX I sent out another certified mail dispute to both XXXX and Experian and stiill have not gotten a return receipt signature from either company. After 10 days of return receipt signature this should be deemed a no response from both of these bureaus. I didn't have these issues with XXXX as they complied and removed all fraudulent accounts off their report. XXXX and Experian are not in compliance with XXXX as I also stated in my dispute letters. Their failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with these bureaus for the purpose of filing a complaint with the FTC should they continue in non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), they may be liable for their willful non-compliance. I have phone recordings and receipts of each certified letter sent out and I am hoping to solve this issue before I have to take further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive written a letter this month with information and I have disputed several accounts in the past. There are several items that are inconsistent across bureaus, chargeoff status reporting balances when they should not, inconsistency with late payments that are inaccurate, a file reporting a past due balance when it is current and a XXXX balance and more. Each credit bureau has been sent detailed letters on what was wrong and what needs to be updated. I want my report updated as written in the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The two of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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: Debt collection

LVNV Funding an acct for a fraudulent credit card that was opened in my name, and this company has bought the account and want me to pay them {$430.00} for a account that is fraudulent. I notified them 4 different times and they refuse to remove this from my credit report. 
Also- XXXX and XXXX XXXX to remove the account in question and also the LVNV funding underhand and fraudulent tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report for the week as I do weekly due to me being a victim of identity theft. I noticed that a CHARGED-OFF account from XXXX was re-aged across all 3 credit report agencies. This account was first reported delinquent on my credit report on XX/XX/XXXX. As of today, showing across all 3 credit reporting agencies the account has been re-aged showing a " Date Reported '' XX/XX/XXXX. I also received several alerts and emails on my credit monitoring services stating that a " new '' account was reported delinquent. 

Since this false and illegal reporting it has dropped my score over 50 points, and has halted me from continuing to purchase my first home. This account has already been disputed by all 3 credit bureaus back in XX/XX/XXXX, with no results after the 45 day investigation. 

The account is a XXXX account ( XXXX ) in the amount of {$3800.00} and once again the original delinquent reported date was XX/XX/XXXX. This is violation of FCRA Section 623 ( 5 ) ( A ). 

I need this account removed immediately from all 3 of my credit reports. I've attached several other CFPB complaints pertaining to this company and their illegal practices in debt reporting.