23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I began receiving phone calls and letters from Credit Collection Services ( AKA CCS, claiming to be based in XXXX, MA ) attempting to collect a debt for XXXX, my auto and motorcycle insurance carrier. The options offered in the letter were to call the call center, submit payment online, or write a check to " XXXX '' ( though there is an addendum that " CCS may process payment as a one-time electronic funds withdrawal using information from your check. " ). I contacted XXXX who confirmed that I have no outstanding debts with them. I attempted to call the CCS Call Center number included on the letter and it is not a working number. This is clearly a scam
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account Number -- XXXX -- Opened -- XX/XX/XXXX I never had late payments XXXX -- Account Number -- XXXX -- Opened -- XX/XX/XXXX I never had late payments XXXX XXXX XXXX XXXX Account Number -- XXXX -- Opened -- XX/XX/XXXX This is not accurate.please remove this inaccuracy from my report. 

XXXX  -- Account Number -- XXXX -- Opened -- XX/XX/XXXX Is not mine, please remove. 

XXXX -- Account Number -- XXXX -- Opened -- XX/XX/XXXX Is not mine, please remove. 

XXXX XXXX -- Account Number -- Account Number -- XXXX -- Opened -- XX/XX/XXXX This account has incorrect information. 

inquiries, these inquiries were not authorize, please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealer they told me they were only running my credit through XXXX but it was XXXX hard inquiry 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 XXXXXXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electric Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting or other personal consumer reports

am writing to formally request the Consumer Financial Protection Bureaus assistance in removing inaccurate information from my credit report. Despite my repeated efforts to dispute the information with the credit bureaus, the inaccurate data has not been corrected. This continued failure to address my concerns is a violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
The following inaccurate information is being reported and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. 

I have contacted XXXX, XXXX, And Experian. Under the FCRA, the credit bureaus are legally required to ensure that the information on my credit report is accurate and must remove or correct any disputed items after a thorough investigation within 30 days. Additionally, the FDCPA prohibits debt collectors from furnishing inaccurate or misleading information, and by failing to comply, they are violating my rights.

I demand that the CFPB : 1. Investigate and intervene in this matter to ensure that the credit bureaus promptly remove the erroneous information from my credit report. 
2. Issue a cease and desist order to prevent further reporting of these inaccuracies.

3. Ensure full compliance with federal law and that all future credit reporting is accurate and fair.

If these issues are not resolved in a timely manner, I will consider pursuing further legal action, including complaints to the Texas Attorney Generals Office and potential legal remedies for damages resulting from non-compliance with the FCRA and FDCPA.

Enclosed are copies of previous correspondence with the credit bureaus, as well as supporting documentation ( e.g., payment records, statements ) to substantiate my claim.

I request written confirmation that the inaccurate information has been removed from my credit report within 30 days. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$950.00}
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED. 

I DID NOT ASK FOR YOUR NON SENSICAL EXPLANATION- I ASKED FOR PROOF - PLEASE DO NOT SEND ME XXXX ABOUT A DIATRIBE THAT IS NOT A SWORN AFFIDAVIT UNDER PENALTY OF PERJURY. I AM NOT INTERESTED OF YOUR NON SENSE STATEMENTS UNLESS YOU ARE PREPARED TO BE SUED. YOU HAVE NEVER PROVIDED ANY PROOOOOF. YOU ARE SIMPLY DIVERTING BLAME TO SOMEBODY ELSE INSTEAD OF PROVIDING THE ONE AND ONLY THING THAT SHOULD SUPPORT YOUR CLAIMS. YOU DO NOT HAVE A CONTRACT WITH ME. CFPB STOP CLOSING THE CASE WHEN YOU KNOW VERY WELL THEY HAVE NEVER PROVIDED ANY PROOF UNLESS YOU WANT TO BE INCLUDED IN THE LAWSUIT.
Product: Credit reporting or other personal consumer reports

I am writing to bring attention to a critical issue on my credit report. It contains mixed and inaccurate information, including accounts and items I have no connection to. This has been an ongoing source of stress and XXXX  for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX .   XXXX   AND TRANUNION IS NOT REPORTING MY CORRECT BALANCES AND STATUS AND PAIDED COLLECTIONS..
  XXXX   XXXX   NOT SHOWING UP TO DATE STATUS AND BALANCE   XXXX   XXXX   CREDIT CARD. NOT CORRECT BALANCE   XXXX   XXXX    CREDIT CARD. NOT SHOWING CORRECT BALANCE  XXXX  CREDIT CARD,  XXXX ..NOT SHOWING CORRECT BALANCE   XXXX   XXXX   XXXX   XXXX   XXXX   PAIDED IN FULL   XXXX   XXXX   XXXX   ... PAIDED IN FULL   XXXX    CREDIT CARD.. INCORRECT BALANCE  XXXX  CREDIT CARD.. INCORRECT BALANCE..
  XXXX   XXXX   CREDIT CARD ... INCORRECT BALANCE I HAVE TRIED IN DISPUTES WITHIN THE LAST 45 DAYS WITH ALL  XXXX  REPORTIING AGENCIES. NO ACTION HAS BEEN TAKEN AS SHOWING CORRECTED INFORMATION
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below, which still appears on my credit report even after your investigation. I would like this item to be immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 

XXXX XXXX XXXX / XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I disputed twice to XXXX XXXX XXXX XXXX XXXX and Experian that the information in my Credit Report is incorrect. I had a Foreclosure of my house and my last missed payment was in XX/XX/XXXX. Even though the other XXXX Credit Bureaus has eliminated this foreclosure in my credit report, Experian continues to report the foreclosure. XXXX XXXX reported the foreclosure in my credit report in a confusing way every month using incorrect credit codes as XXXX and in XXXX ( XXXX  years later ) they are still reporting for XXXX consecutive months that I had XXXX XXXX days past due when my last payment was in XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent nor authorize the following inquiries being furnished on my consumer report. 
See attatched
Product: Debt collection

I was trying to get pre approved for a mortgage and saw a collection from CBNA in the amount of XXXX with no description of what is was in reference to and I 'd never seen this before and was never contacted in the past to settle this debt. The only contact info was PO Box and claim #
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious issue regarding inaccurate information being reported on my credit reports by multiple credit bureaus. Despite my numerous attempts to have these errors corrected, the account in question continues to be reported with derogatory remarks and comments about foreclosure. This inaccurate reporting has severely damaged my credit score and financial standing.

Specifically, the account should be reflected as PAID and without any foreclosure remarks. I have provided detailed evidence, including account summaries and correspondence with the creditor, indicating that the account was settled in full and no foreclosure proceedings occurred. These documents clearly demonstrate the inaccuracies and the need for correction. 

The credit bureaus involved have failed to take appropriate action to correct these errors, despite my ongoing efforts to resolve this matter. As a result, I am escalating this complaint to the Consumer Financial Protection Bureau ( CFPB ) to ensure that my credit reports are accurately updated and to prevent further harm to my creditworthiness. 

Failure to address this issue promptly will leave me with no choice but to consider legal action to rectify the situation. I trust that the CFPB will assist in ensuring that the necessary corrections are made.
Product: Mortgage

This is not a problem with a payment. Your form just doesn't list my problem. My problem is this, Ally Home Mortgage sent me a Privacy Policy Notice that directs me to their website to OPT OUT of marketing. I have tried numerous times over numerous days to submit this form. Every time the form is submitted, I get an error message. Regulation P requires lenders to provide me a way to opt out of their marketing. And this mortgage company is not in compliance with the law. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and as a result several account have been reporting in my credit report i have try resolving this matter directly with the company providing then documentation of these fraudulent account XXXX XXXX XXXX  # XXXX 
XXXX XXXX XXXX # XXXX XX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have been with TRUIST BANK for a long time, and I have always appreciated the good value and service I have received from TRUIST BANK. Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would like to remain an active consumer of TRUIST BANK and will be happy to do so as soon as we get this matter cleared up. Will you kindly send it to me? 
confirmation that this erroneous late payment has been corrected, updated to paid as agreed and deleted from my credit report. 
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report.
Product: Credit card

We sold a $ XXXX tree saw to a person that used the name XXXX XXXX. We sent him an electronic invoice from our XXXX XXXX account, which he paid in XXXX separate transactions via XXXX separate credit cards : XXXX for {$5000.00} and XXXX for {$7000.00} on XX/XX/year>. He contracted XXXX  XXXX XXXX to pick up the Tree Saw from our location at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX and deliver it to him at XXXX XXXX XXXX XXXX XXXX, IN XXXX, which they did for {$2700.00}. On XX/XX/year> we received XXXX chargebacks for the complete amounts of {$5000.00} and {$7000.00}. We immediately submitted all our information indicating that this was a legit transaction, or so we thought, and submitted it through XXXX XXXX 's online chargeback process. We waited for a reply from PNC bank, and they declined it and sided with the fraudulent purchaser. I then called PNC 's fraud department directly and they refused to talk to me. They said I needed to go through XXXX XXXX for any further communication. So, I called XXXX XXXX again and they refused to help any further, as well. We sold a $ XXXX tree saw to this person, and he's screwed us out of our money. The transport company found a potential address for a XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX and he used two different emails between us and the transport company : XXXX and XXXX and the cell number he was using was XXXX. I'd like this guy arrested, either our tree saw returned or PNC to give us our money back.
Product: Money transfer, virtual currency, or money service

I was a victim of online theft where a seller promised to sell me some expensive XXXX  cards. After I made the payment, I was immediately blocked. I found out later that day that the individual has done this on multiple occasions where they actively stole money from other XXXX  collectors. I made a police report as soon as I found out this info. I talked to them and have a case number. I have an active case with a detective looking into it. The officer I spoke with told me that with the evidence I have shows without a doubt that this is intent to deprive money from an individual. Of course my claims were denied eve though I showed them all of my evidence. This is an ongoing criminal case and I am waiting for the detective to review my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint against XXXX  and Experian because they have yet to remove this unverified account for my credit reports I previously sent them four letters attached with the letters I received from first XXXX XXXX  stating after they completed their investigation they determined that I'm not responsible for the disputed account but yet the credit bureaus have yet to delete this from my credit report so now I'm making this complaint so they can remove this negative unverified account.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX Last 4 socialXXXX RE : XXXX XXXX To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/XXXX XX/XX/XXXX on the account ( XXXX XXXX ) .and accordance with the fair credit act XXXX XXXX  has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 

Best Regards, XXXX XXXX
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 ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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 account that I have marked inaccurate. Wrong address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, hard inquiries XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX + All Banks ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXXXXXX XXXX XXXXXXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX OF XXXX : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXXXX/XX/XXXX ( XXXX ) I deposited a check in the amount of {$300.00}. through the mobile check deposit function. On XX/XX/XXXX, I reached out to CashApp to see what the hold up is. Its a government check so I didnt think thered be an issue. What I see when I click on the transaction, is that its pending and that it could take 6 days to process. It says days, not business days. I double and triple checked because I need this money. If I would have known it would have taken this long I wouldve went to the bank to cash it. When reaching out to customer support, I was given multiple different answers, multiple! .what I was told is, most checks are available within 6 days, or maybe up to 8 business days ( yes one says days, and one says business days ), though many are funded sooner, it could take up to XXXX business days, then followed with it WILL be available XX/XX/XXXX. I have attached screen shots below. It is XX/XX/XXXX XXXX and my funds are still not released.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was recently made aware that I was affected by the XXXX XXXX breach, and upon checking my credit reports I noticed inquiries that do not belong to me 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
Product: Credit card or prepaid card

MACYS/DSNB REVOLVING ACCOUNT # XXXX OPEN DATE XX/XX/2012 IS FRAUDULENT AND NOT MINE. I HAVE CONTACTED THE CREDIT BUREAU TO HAVE THIS FRAUDULENT ACCOUNT BLOCKED AND REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the below dispute letter in the mail on XX/XX/XXXX and haven't got any dispute results on this. Can I get an answer on this. 


Dear Transunion, I am writing to exercise my right to question the validity of the debt your agency claims I owe, pursuant to the Fair Credit Reporting Act ( FCRA ). As stated in Section 609 of the FCRA, ( 2 ) ( E ) : A consumer reporting agency is not required to remove inaccurate derogatory information from a consumers file under Section 609 that can not be verified. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to at, as part of this investigation. As is my right, I am requesting verification of the following items : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I request that all future correspondence be done through the mail or email. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. 

Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX