23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 


In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information? 
3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business or operate in the state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.

Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. 

Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ex husband failed to refinance his truck to his name. My name was left on the loan. He made all the payments ( automatic from his account ) on time except the pay off amount, {$58.00} and a payment in XX/XX/XXXX of {$330.00} that I paid. I received a call from the loan company ( Gateway Lending ) at the time and paid it to save my credit. It is in the divorce decree that the truck goes to him. I did not know that I could have put in a motion to basically make him refinance and get my name off. I know now : ( The present company ( Santander ) never sent notification until it was 30 days late. 
I called Santander to get info on how to dispute this. Attached is the docs I sent to them. On XX/XX/XXXX, they sent me a letter saying they reviewed it and unable to process to remove as an act of " XXXX ''. I am not asking for goodwill, I am asking for what is fair. 
They then explained in the letter how I could submit a dispute to the same place I just submitting my info to. I am thoroughly confused. Letter attached.

My credit score was XXXX and dropped 91 points. I would gladly share my credit report to show that missing a payment is not my pattern. 
I submitted the same information to XXXX - Report # XXXX and they are now reporting another 30 days late for XXXX ( pay off was XX/XX/XXXX they updated it XXXX ). I will not give up on this. I worked too hard to achieve good credit and for {$57.00} this happens. I can not give up on my good credit standing and what is fair to me. 
Thank you.
Product: Credit reporting or other personal consumer reports

I reviewed my report snd noticed fraudulent activity on there as well as incorrect addresses that need to be removed please remove all fraudulent accounts as it is hurting me from obtaining credit as well as violation. and according to 15 USC 1681s-2 they are suppose to 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. I want all accounts delete pursuant to FCRA - 605B ( 15 U.S.C. 1681c-2 ), all frudulent activity should be delete asap
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX, XXXXXXXX XXXX  Previous Address : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX  Late Payment XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My account has been locked for almost 2 weeks and I can not get in touch with anybody from the company to resolve it. My money is locked in and I can not make and trades or transfers.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian, Equifax and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian, Equifax and TransUnion consistently responds within 72 hours stating that 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, Experian, Equifax and TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian, Equifax and TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX & XXXX XXXX Account : XXXX XXXX  XXXX
Product: Credit card

Synchrony handles the zero-interest XXXX XXXX . I paid off a defective hose ( {$79.00} ) and sent it back to XXXX  because it had several leaks. ( Found out they charge {$8.00} for the shipping label. ) After several weeks I called Synchrony who noted, yes, we see the hose was returned. We will issue you a refund for {$53.00}. When I pointed out I had paid {$79.00}, they said they would need to deduct {$26.00} from my refund check for " outstanding balance '' at XXXX  on an XXXX XXXX  XXXX. I had set up " 5 easy-pay '' monthly payments on the hair product and had 2 payments of {$10.00} left- the first of the 2 payments was not even DUE for 2 weeks. The last payment was due in XXXX. When I pointed out that these were 2 separate transactions/agreements with XXXX  and they had no right to take MY money that I had already paid - and use it to PRE-PAY my easy pays for me with XXXX  -- they claimed " our hands are tied ; it won't LET US make refunds when you owe XXXX  any payments. '' If this isn't illegal, it is surely unethical. They are tampering with the consumer 's budget, deciding how my agreement should be managed, taking money out of my pocket that was already tendered for a defective product. Synchrony is making interest off my money in their bank account.. and off of millions of other people 's money. I received the refund for {$53.00}. My balance at XXXX  is still showing I owe them {$8.00} for the shipping label and 2 payments of {$10.00} for the last two easy-payment on the hair product. Calls to synchrony- they say they will need to transfer me to XXXX. Customer Service at XXXX  has no remedy. Widespread theft is what I think it boils down to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Description of the problem : I have recently discovered that certain negative accounts that were legitimately removed from my credit report after a successful dispute have been re-reported by XXXX. 

Actions previously taken : I would like to point out that these accounts were previously disputed and removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Impact on my financial situation : The inclusion of this incorrect information on my credit report has had a significant negative impact on my ability to obtain favorable credit and loans. This has also affected my credit rating and consequently my opportunities to access essential financial products.
Product: Credit reporting, credit repair services, 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, Account name : 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: Credit reporting, credit repair services, or other personal consumer reports

I'm distressed. Sent investigation on XX/XX/XXXX - XX/XX/XXXX to the Credit Bureaus. 
There's been little to no sign of investigation on any of the accounts questioned and no information has been sent from the bureaus or collection agencies. My credit report hasn't been updated to show accounts have been processed and disputed. 
Accounts false and unknown. The companies have not reached out as well. 

Moreover, the bureaus have been deleting accounts that weren't questioned and reporting open and positive. Why would the Credit Bureaus delete open accounts. There was a XXXX removed from XXXX   and Equifax and added back without my knowledge and it's my understanding I should've been notified ( Account Number : XXXX )
Product: Consumer Loan

XXXX XXXX were purchased from a XXXX area XXXX XXXX on XXXX/XXXX/XXXX using the 0 % interest offered by Citizens Bank dba Citizens One. These loans were paid off on XXXX/XXXX/XXXX. I have asked for and been promised written loan payoff documentation by several CSRs and their managers between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I have never received that payoff documentation but Citizens One again verbally confirmed payoff this morning, XXXX/XXXX/XXXX, of my XXXX XXXX loans on XXXX/XXXX/XXXX. This loan payoff documentation is now critical since Citizens One sent me an email on XXXX/XXXX/XXXX regarding " XXXX Loan Annual Privacy Notice for your Citizens One XXXX loan '', which indicates that some of their records still show l have open loan ( s ) for the XXXX. Since Citizens One never reported the XXXX XXXX loans to any credit bureau, I also have no credit report showing the loans in the correct status of CLOSED CURRENT. On XXXX/XXXX/XXXX I opened a Citizens Bank CEO Case, number XXXX, and was told I would be contacted within two business days. I informed Citizens Bank and Citizens One that if this issue was not resolved to my satisfaction by XXXX CT XXXX/XXXX/XXXX, I would initiate a CFPB complaint. I repeated that warning to both the morning of XXXX/XXXX/XXXX and again at XXXX CT. I was not contacted and no resolution has been attempted. My latest interaction with Citizens Bank was at XXXX CT XXXX/XXXX/XXXX with a CSR that first told me I had to contact their legal department, and then when legal would not accept the call transfer, told me the case was being handled by the CEOs office and would not let me speak with anyone working the case. This financial organization has had almost nine months to provide the requested and promised written loan payoff documentation. 
Due to lighting strikes in this area, I am submitting my complaint to CFPB an hour earlier than planned.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Transunion Credit, I noticed on XX/XX/2020 my credit score drop 14 pts. between XX/XX/2020 -XX/XX/2020 and Transunion Credit can not explain to me why. Between XX/XX/2020 - XX/XX/2020 I had no missed or late payments during that period, also I had an decreased in payments. My XXXX XXXX XXXX  decreased by {$84.00}, XXXX XXXX XXXX  decreased by {$9.00}, XXXX  XXXX XXXX decreased by {$69.00}, XXXX XXXX decreased by {$520.00}, which put us at an total of {$690.00} paid between XX/XX/2020 - XX/XX/2020, if anything my credit score should have increase. If Transunion Credit doesn't correct this issue, I will file a civil suit against Transunion Credit, this mistake has cause me home loan, and put me in deep XXXX.
Product: Debt collection

This complaint is in reference to DISCOVER BANK Account Number XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney. 

The letter was sent to : XXXX XXXX XXXX DE XXXX Listed address on the record : XXXX XXXX XXXX DE XXXX
Product: Credit reporting or other personal consumer reports

Hi CFPB I need help documenting TransUnions negligence in how they process disputes, resulting in incorrect public records on my credit report. TransUnion blatantly ignores consumers ' rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 ) by failing to ensure the accuracy of their reporting and not conducting proper investigations when disputes are raised.

Under the FCRA, TransUnion is legally obligated to : - Follow reasonable procedures to ensure maximum possible accuracy of the information in credit reports ( 1681e ( b ) ).

- Investigate disputes within 30 days of receipt and correct any errors if an inaccuracy is found ( 1681i ).

- Provide consumers with the results of the reinvestigation within 5 business days of its completion ( 1681i ( a ) ( 6 ) ).

Despite these clear legal requirements, TransUnion has negligently failed to comply. 

I have repeatedly attempted to resolve a dispute, only for TransUnion to recycle the same flawed dispute results rather than conducting a legitimate investigation. As a consumer, I am entitled to a thorough and proper investigation into incorrect information on my credit report. It is impossible for TransUnion to have completed a real investigation within mere hours, yet they consistently return a decision in that timeframe. This negligence is a direct violation of the FCRA. 

Specifically, I submitted a dispute regarding a bankruptcy inaccurately listed on my credit profile, which belongs to a family member with a similar name and Social Security number. Despite this clear error, TransUnion has failed to properly investigate the issue, leaving the incorrect record on my report. Under XXXX, they are required to conduct a reasonable reinvestigation into disputed information, which they have negligently failed to do. 

TransUnions negligence in failing to follow these FCRA-mandated procedures has caused me financial harm, and I believe their actions represent a violation of consumer rights. I request that you sue TransUnion for their negligent practices, which affect not only me but likely many other consumers. I intend to submit a complaint every month until this error is corrected, and I hope that other affected individuals will come forward to expose how TransUnions negligence has harmed them as well. 

Thank you for your time and attention to this matter. 

Thank you! 
XXXX
Product: Debt collection

I XXXX XXXX have a collection placed on my credit report with XXXX XXXX XXXX located in XXXX WA. I have never opened an account with this corporation and thay have failed to provide me proof of the alleged debt. This negative information was placed on my credit report on XX/XX/2015 in the amount of {$210.00}. I have been hindered in obtaining a vehicle because of this negative and inaccurate information. I am demanding this account be removed due to lack of validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 604A section 2 : also state consumer rights furnish an account without my written permissions 15 USC 1666B a creditor may not treat a payment on a credit card an open end credit plan as late for any purpose
Product: Mortgage

My mortgage was transferred from XXXX  XXXX  to Mr. Cooper with my XX/XX/XXXX payment being the first one with Mr. Cooper. My homeowner 's insurance was due on XX/XX/XXXX and was escrowed. I received notification on XX/XX/2021 that my insurance was not paid and was in the process of being canceled. I called Mr. Cooper and spoke with XXXX at extension XXXX and it was confirmed they did not pay my insurance - so I called and made it myself ( over {$2000.00} ). I told Mr. Cooper I wanted to cancel my escrow account because I don't have money to pay them for my insurance and pay my insurance on my own. They advised I was not able to cancel it at this time as they have not been servicing it long enough and also did not offer to reimbursement my insurance to me. They stated I should have known the loan was being transferred ( I did receive paperwork ) and stated it was my responsibility to call my insurance agent and get everything updated with them. They also stated they did not have it noted it was due. My escrow analysis with XXXX specifically stated they were not paying my insurance and that Mr. Cooper would be.
Product: Debt collection

I am writing to report the mishandling of an identity theft case and serious credit reporting issues by Citibank , N.A . 

I was the victim of identity theft, and multiple Citibank accounts were affected, including : A Citibank Checking Account ending in XXXX A Citibank Debit Card ending in XXXX XXXX  Loan Checking Plus Account ending in XXXX I submitted a police report and an identity theft affidavit. Citibank acknowledged the issue, closed the accounts, and advised that the tradelines would be removed from my credit reports. For a time, that appeared to happenat least with XXXX, where the account was removed. However, I am uncertain whether the account was ever properly removed from the other credit reporting agencies : XXXX, XXXXXXXX XXXX XXXX XXXX. No one from Citibank ever confirmed this, and I have reason to believe the tradeline XXXX have continued to appear in some form. 

Even worse, Citibank later allowed the same Loan Checking Plus account ending in XXXX to be reinserted on my credit report under their name. The tradeline had previously been deleted, and yet it came back without notice. That reappearance caused my credit score to drop and made it harder to qualify for any form of crediteven for small purchases. The account was supposed to be resolved, and its reappearance deeply affected me. 

Citibank also reassigned the debt for collection after it had already been resolved. First, it was sent to XXXX XXXX XXXX, then to XXXX XXXX XXXX ( XXXX ). Both attempted to collect on the same disputed debt. I submitted my identity theft affidavit and police report again. XXXX acknowledged the fraud and temporarily recalled the accountbut then Citibank sent it right back to XXXX for collection. That is unacceptable. I did everything the law required to prove I was the victim of identity theft, yet Citibank has repeatedly allowed this account to keep coming back, damaging my credit and creating constant stress and confusion. 

This situation has made it feel like I cant escape a debt I never authorized and already resolved. Ive had to relive this nightmare again and again because of Citibanks failure to protect me. 

Please investigate Citibanks actions and ensure that the accounts ending in XXXX, XXXX XXXX XXXXXXXX are permanently removed from all of my credit reportsincluding XXXX XXXX XXXX XXXX XXXX XXXX. I also respectfully request that any future communication be made in writing onlyI do not consent to phone calls. 

Thank you for your attention to this matter. I just want to put this behind me once and for all. 

Sincerely, XXXX XXXX