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

XXXX  account as reappeared on my credit file account number XXXX .I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please be advised of my ftc report for you to remove the unverified accounts listed below that remain on my credit report in violation of U.S.C. 1961. You are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original credit application on file. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Who in your company verified these account : How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your re-investigation. Also, tell me why didnt you send me copies of the verification like I asked you to?
Product: Debt collection

I asked for the company to provide proof of the debt via letter! They never sent it! I currently have XXXX. The accounts were not authorized nor opened by me and I asked them to be removed from my credit profile!
Product: Debt collection

About a month ago I noticed 2 alleged collection accounts furnished on my credit report the alleged debt collector happened to be ( and still is ) Credit Collection Services. I Sent my dispute to Credit Collection Services on XX/XX/2021 it was delivered on XX/XX/XXXX. Credit Collection Services did not respond until XX/XX/2021. This late response is the reason Credit Collection Services is in violation of Title 15 1692G ( A ) for failing to send a notice to me in the first 5 initial days of My dispute. 


In my dispute I requested them to provide the original agreements with signatures of all parties to the agreements with me and the alleged Original Creditors i.e. " XXXX XXXX '' # XXXX and " XXXX  # XXXX -Credit Collection Services failed to respond to my request- I also requested Credit Collection Services prove that these alleged debts are accounts as defined in Title 15 1693-2 which governs the procedure on debt collection- Credit Collection Services failed to respond to my request therefore Credit Collection Services is in violation 15 USC 1692E-2 ( A ) by failing to validate this alleged debt as an alleged " collection '' yet furnishing it on my credit report as one is falsely implying its status.

I also requested the date of first major delinquency, The date of last activity, and the date closed - Credit Collection Services failed to respond to my request- Credit Collection Services is in violation of my state 's statute of frauds ( According to California law [ Cal . Civ. Code. 1624 ], ) by failing to provide the original agreements with me and the alleged original creditors with signatures of all parties to the agreements of two alleged debts furnished on my credit report instead, on they had XXXX XXXX  One alleged original creditor send me a " Statement of the account '' which is not what was requested by me. Credit Collection Services has yet to send me any information on the alleged XXXX  debt therefore failing to respond to my request or validate this alleged collection account entirely Upon further research, I discovered that Credit Collection Services does not have the right to collect debt in the state of California therefore this alleged debt collector is violating 15 USC 1692E-1
Product: Debt collection

I received a notice from XXXX XXXX XXXX XXXX XXXX XXXX in regards to a past due debt owed to DNF Associates on XX/XX/XXXX. 

To my knowledge, I have no contractual obligations or have never had a business relationship with DNF Associates. My wife, XXXX XXXX, called XXXX on XX/XX/XXXX immediately upon receipt of this letter, she was advised that I was being sued for this debt and had the opportunity to resolve it, per Mr. XXXX. Not understanding who XXXX and DNF is and why they would be suing me, she asked them to provide validation of this debt. 
Shortly thereafter, I received the documentation showing I owe a balance to DNF who purchased a charged off debt from XXXX  XXXX  on XX/XX/XXXX. While I am familiar an outstanding debt to XXXX XXXX, the documentation attached is an incomplete/invalid validation of debt. For the following reason, this account remains in dispute. 

When XXXX XXXX charged off this debt, they sent me a 1099 - debt cancellation form and reported to the 3 credit bureaus that this was charged off. Therefore, XXXX XXXX is no longer pursuing this item for collection. 

DNF Associates did not send any documentation indicating they acquired this debt. Furthermore, the first notification in regards to this debt being owed to DNF was from their servicer, XXXX who is now threatening litigation on the past due balance. 

The last payment made on this account was on XX/XX/XXXX. The exhibit indicates the debt was sold on XX/XX/XXXX, which is prior to charge off. My account with XXXX was still active at the time the exhibit indicates the debt was sold to DNF Associates.
Product: Money transfer, virtual currency, or money service

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

Contacted Kohls to set up payment assistance during covid pandemic in advance so as to ensure there were no surprising on my end with the understanding I could potentially be out of work for months. Company was offering two months they said they applied everything was good to go and I would have nothing to worry about. 


About 3 weeks later I get another bill and the original is still reflecting online as due plus a late fee. They said dont worry at all the system is very overwhelmed the re made a mistake I put it wrong and we would get it fixed. I left it alone then i received a 30 day delinquency on my credit. At this point Im fuming I call again again not one not teo but three people say the same thing your account is notated it is very obvious no payment is due rest assured you will be covered and any derogative rerouting will be fixed we are just in high demand. They said there appeared to still be some thing submitted in error so they were going to escalate to get rectified and they would add an additional month if need be for all of the massive inconvenience and many errors I agreed provided it was rectified expediently I again get a delinquent notice again I have to waste a hours calling in waiting on hold just to ask the exact same things. This time they say a deletion letter was sent to the credit bureaus on XX/XX/XXXX and it should be rectified timely. I keep in touch with the execs at the credit bureaus 3 weeks later no change I call Kohls back they say couple more days. Call back again they say letter was sent to my home I say ok Ill use that as proof open the letter and when I thought they could not get any more rediculous with the service and errors the letter says sorry everything is accurate thanks for being a customer. 

I have over 21 call logs, 8 letters, 2 certified and 4 emails that clearly show that not only should this account have been enrolled in this coverage and it was requested many times over and confirmed to have been the case I also have never been 30 days late ever. I changed the due date with you and you XXXX  that up and still reporting as such to this day and now this. Because I had two credit lines decreased as a direct result of this account and this error has caused me significant financial and moral distress I dont appreciate i didnt go out of my way to put in all the effort to get XXXX  over be told its being rectified for months repeatedly and then receive a letter that states it accurate no scam artists it is not
Product: Credit card or prepaid card

XXXX XXXXXXXX XXXX XXXX by One Main Financial collects an image of a clients social security card, drivers license, and bank statements at the time of application. They site these items are collected for identification and address verification. I was immediately approved and within a couple days received an email telling me my card has shipped. My address for the card that reflected on their mobile application correctly in full. A month from the time of approval I contacted them to inquire on my card. I was then informed my unit number was missing and I would have to submit an email with more address verification ( another bank statement ) to have my unit number added. I asked why they couldnt reference the statement I had provided, or the image of my drivers license with the correct address, or XXXX XXXX which has the full address. No clear answer was provided. I was told I had to email their back office team my bank statement and it would be another XXXX business days a minimal to receive my card. This seems unfair given all the information I provided can not be referenced but this credit card it already reporting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report I noticed an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX. I have never requested business from this company but they are on my credit report. This has caused stress and I 'm looking for answers. It has an open date of XXXX XXXX,2015 at which I was serving my country and had no need for their services. I have disputed this with TransUnion, the only one of the big three that claims ths information was verified. After conducting my own investigation XXXX XXXX hides behind the doctrine of tribal soveereignty to avoid liability for their illegal lending practices. The also hide behind several name to avoid people trying to correct information. From the BBB records they have over 270 compalints over the past year.
Product: Mortgage

This is a loan I've had with Evergreen Home Loan in XXXX XXXX  since XXXX XXXX on a second home in XXXX XXXX. For what ever reason I paid attention to the first statement in XXXX they sent me showing interest earned on the escrow account in XXXX. I went back to the be the first statement received in XXXX for interest earned on the escrow statement in XXXX. I also noticed I got a XXXX showing the interest earned. HOWEVER, in looking back on my account statements NOWHERE did I see the interest earned on the escrow account either applied to the escrow account balance OR applied to lowering the principal loan balance. I started sending emails to the escrow department asking to show me where the INTEREST was added to ESCROW account or toward the MORTGAGE Principal Balance for both XXXX and XXXX ( didn't request but also concerned about XXXX, XXXX, and XXXX also ). They resent me XXXX for XXXX and XXXX. I responded back indicating " I have those and see you reported WHAT I WANT TO SEE IS WHERE THE INTEREST WAS ADDED TO MY ESCROW ACCOUNT OR USED TO LOWER MY PRINCIPAL BALANCE. I have asked 3 times and have all those emails and gave them over XXXX hours to send that information to me and they refused to. 

I've had a loan with Evergreen Home Loan in XXXX XXXX  since XXXX for a second home in XXXX XXXX XXXX XXXX I noticed interest earned on the escrow account in XXXX. Checking back, I found similar entries for previous years but saw no signs of this interest applied to the escrow balance or principal loan balance. 

I contacted the escrow department, asking where the interest for XXXX and XXXX was added to my escrow account or used to reduce the principal balance ( also concerned about XXXX ). They sent me XXXX for XXXX and XXXX, but did not show how the interest was applied. Despite multiple emails and follow-ups, they have refused to provide this information.
Product: Credit reporting or other personal consumer reports

Dear ; Consumer Financial Protection Bureau XXXX Attorney General XXXX XXXX Ombudsman ; Complaint against- Equifax - XXXX & XXXX points Regarding - Paid off Loan my pledge loan paid it weekly never missed a payment and paid it completely off with XXXX XXXX Bank. 

I have attached below screenshots of my credit score dropping today XXXX and XXXX points because I paid OFF my pledge loan at XXXX XXXX Bank! 
When you pay off a loan your score goes up NOT down! 
It says XXXX XXXX  Account was closed, closing an account cant drop your score.. absolutely obserd! No one has a bank Loan for their entire life span just so that their credit score doesnt go down. My XXXX XXXX account was full paid in full not closed for the XXXX of it! Please rectify your MISTAKE immediately and put my XXXX points back up and give me extra points for being a good girl and paying my XXXX XXXX XXXX off fully. Unbelievable you are absolutely on purpose being malicious to try and destroy lives of good people doing the right thing by paying their bank loan off, I am absolutely disgusted by the way you do things instead of patting the person on the back for paying their pledge loan off you drop their pointsmake that make any sense at all please????! 
Ridiculous I expect my credit to be immediately repaired by you or I am seeking Legal action against the credit bureau Who obviously intentionally want people to fail when they do good I find that absurd and absolutely disgusting. Not even a XXXX XXXX country would do this, Nor would a XXXX XXXX country treat good people that pay their bills on time and pay them off on time this way. If you look at my XXXX page, it is called Sima_loves_life I have over XXXX K followers if this is not rectified, Im going live to my viewers, showing them all the proof and the information of how the credit bureau punish you when you pay off a loan dont come to XXXX XXXX they set you up for failure. How disgusting to say the lease, Im beyond disappointed. And the credit bureau should be embarrassed treating people this way!
Product: Debt collection

I  am a  XXXX  and did a job for an insurance company where I had to invest my money on materials and labor. The insurance agency has a 30-45 day pay time frame which was explained to me after the fact. Well I have fallen behind on my payments to Conns here in Texas. Granted I have been a loyal costumer for years. But they have been calling me 16-23 tim es  a day for 2 we eks now. For a payment of  XXXX  $ I have repeatedly asked for more time until I finally had to talk to  a manager. I was shocked at the level of profecional ethic this rude man had. He was rude to the point where I hung up  on him and the calls just got worse. Now theyre blowing my phone up more and more with each passing day. As soon as I get this check, they will be the first people I pay off. I was trying to build credit by purchasing a few items from their store but that was a big mistake. Thank you for your assistance and  XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian are not complying with FCRA in verification of Debt. ( XXXX XXXX ) via a reasonable investigation and not eoscar.
Product: Vehicle loan or lease

this account with GREENSTATECU is not mine. I did not personally open this account. 
This account either belongs to someone else or is some used my identity to open this account.
Product: Credit reporting

At the recommendation of my employer as part of a background check, I ordered a credit report from Experian. I was notified at the time I ordered the report that I would be charged {$1.00} for the report. After ordering the report, I was instructed that I had signed up for a 7 day trial and would be charged $ XXXX automatically if I failed to cancel the membership within 7 days. I then proceeded to view my credit score just to ensure that it was at an acceptable level, and proceeding to fill out the rest of my job application did nothing further on Experian. I received no further communication from Experian regarding my membership, though they had my email address on file. It was not until I saw a {$22.00} charge on my credit card this month that I realized I was being charged for a membership. I immediately called the company and explained I had never utilized the services other than looking at my score when I XXXX signed up for the service, that I felt some sort of a notification that my trial membership was expiring should have been provided to me, and requested a refund. They said because I was notified at the time I signed up for the account that I would be charged a $ 22 monthly fee for failure to cancel, they would not issue a refund. In fact, they tried to convince me to sign up for further services at a discounted rate, though I made it clear I had no intent of using the services further, given that I have thousands of dollars in student debt and could n't afford to pay the {$22.00} charge for one month, let alone continue paying for a service I had no intent to use on a regular basis. All in all, I felt that the customer service response I received was poor, and that the business practices failed to adequately warn consumers of the charges that they would incur as a result of using the Experian services. As the attached screenshot shows, the initial screen to order the report only says that there is a {$1.00} charge to order the report ; the $ XXXX membership fee is only mentioned in small print at the bottom of the XXXX page of the order. I admit that in my rush to complete the documentation for my job, I neglected to remember to cancel my membership at a later time ; but my concern is that less sophisticated consumers than myself will be taken advantage of and not realize the costs they are incurring in merely checking their credit report. Had I known about the existence of annualcreditreport.com at the time, I would have certainly just gone straight there.
Product: Debt collection

I began receiving phone calls from this phone number ( XXXX ) XXXX - looked it up on line ; XXXX XXXX XXXX - XXXX XXXX. My Credit is wit showing no debts owed via all XXXX credit reporting agencies. I have voice mail - there are no voice mails left. Just persistant calls at XXXX AM. 

XXXX has helped me in the past with eroneous claims of my having vehicles- which I have none. I do have a person that was using my address and has never lived here before ; and this person has used my address for Minnesota Vehicle License and Title. I contacted the XXXX with emails - they validated that this person uses this address, and I am not on any vehicle title or license. This person also using my address has a vehicle loan using this name- the loan originator was contacted as well on this anomoly. 

The call # is validated with XXXX- no spoof call. I doubt they are reaching out to tell me they have money to give to me. If this company can stop contacting me- it would be greatly appreciated. Looking this phone # up - there has been no communication via any correspondence - and these calls stated XX/XX/XXXX and XXXX of XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXXXXXX on my credit report was scheduled for removal after XXXX years, in line with the FCRA regulations. Furthermore, there is an alleged balance of {$1300.00} but this debt is uncollectible due to the statute of limitations. The statute of limitations in the state of XXXX XXXX XXXX XXXXXXXX To my concern, XXXX has diligently followed this timeline and removed the aforementioned account from my credit report. However, TransUnion and XXXX have failed to align with this standard and has not taken the necessary steps to remove the account, indicating a clear violation of the FCRA. XXXX XXXX has already been notified that the account should be removed, and that the debt is uncollectible. I sent dispute letters to both XXXX and Transunion over XXXX XXXX XXXX. I urge TransUnion and XXXX to rectify this discrepancy promptly by initiating the removal of the specified account from my credit report, aligning with the FCRA guidelines. You are also reporting incorrect data such as the date last active and payment history. Your immediate attention to this matter is crucial in ensuring compliance with federal regulations and preventing any further complications. I trust that you will take swift action to resolve this issue and provide confirmation of the removal within 7 days being that this is long overdue. Please see the attached credit report and the dispute letters which are dated, and time stamped.
Product: Credit card

American Express refused to work with me to develop program to pay off the account balance. Instead, the representative insisted that I was ineligible for a plan, despite my inability to make the requested monthly payment.
Product: Credit reporting or other personal consumer reports

XX/XX/2025 Subject : Notice of Violation Under 15 U.S. Code 1681o Civil Liability for Negligent Violation of FCRA Dear CREDIT REPORTING AGENCYS I am writing to formally notify you of a violation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which addresses the civil liability for negligent violations of the FCRA. I believe that your actions or inactions have resulted in a failure to meet the statutory requirements under the FCRA, which has caused harm or inconvenience to me. 

Details of the Violation : inaccuracy proof is attached along with credit report showing inaccuracy, social, utility, and identification 1. This account is showing inaccuracy must be removed immediately according to section XXXX XXXX XXXX XXXX Account Number : XXXX i request this information to be removed immediately 2. This account is showing inaccuracy must be removed immediately according to section XXXX XXXXXXXX XXXX XXXX Account Number : XXXX I request this information to be removed immediately according to section 609 3. This account is showing inaccuracy must be removed immediately according to section XXXX XXXX XXXX XXXX Account Number : XXXX i request this information to be removed immediately according to section 609 4. This account is showing inaccuracy must be removed immediately according to section XXXX XXXX XXXX XXXX Account Number : XXXX i am requesting this information to be removed immediately according to section 609 5. I was never late on this account XXXX XXXX XXXX  Account Number : XXXX update inaccurate late payment to positive 6. I was never late on this account XXXXXXXX XXXX XXXXXXXX Account Number : XXXX update late payment status to positive 7. This account is showing inaccuracy must be removed immediately according to section 609 XXXX Account Number : XXXX i am requesting this information to be removed immediately according to section 609 8. This account is showing inaccuracy must be removed immediately according to section 609 XXXX Account Number : XXXX i am requesting this information to be removed immediately according to section 609 9. This account is showing inaccuracy must be removed immediately according to section 609 XXXX XXXX XXXX Account Number : XXXX i am requesting this information to be removed immediately according to section 609 Under 15 U.S. Code 1681o, you are required to comply with the provisions of the FCRA in a manner that avoids negligent violations. Due to the harm caused, I am seeking compensation, correction of the record, an apology, or other appropriate remedies. I request that you take prompt action to correct this violation and notify me of the steps you will take to resolve the matter. 




Sincerely, XXXX XXXX