23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My husband and I each received a bill from XXXX  XXXX XXXX for respectively {$650.00} and {$910.00} from more than 10 years ago ( and previous marriages ) that we had absolutely no knowledge of. When I called the collection company, Convergent, they gave us the dates for which these were due and the amount. According to XXXX   XXXX XXXX they sent 3 letters to my husband and 5 to me. This is absolutely ludicrous! Especially since I know we both usually are in the habit of forwarding all of our mail to a new address when we move. I never received any such letter and neither did he. We currently have no outstanding debts and pay all of our current ones always and on time. Had we any knowledge of these we would definitely have made arrangements to pay. 

In addition, the statute of limitation is definitely in effect. I want XXXX  XXXX XXXX  to eliminate these debts as they seem quite fraudulent after so long.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Hard Inquiries and Charge-Offs on My Credit Report To Whom It May Concern, I am writing to formally dispute unauthorized hard inquiries and inaccurately reported charge-offs on my credit report, as reflected in the attached documentation. These inaccuracies have caused significant harm to my creditworthiness and financial stability. 

Unauthorized Hard Inquiries The following hard inquiries appear on my credit report without my explicit authorization : XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX Under 15 U.S.C. 1681b ( 2 ), permissible purpose is required for any party to access my credit report. Furthermore, 15 U.S.C. 1681q prohibits knowingly obtaining a consumer report under false pretenses, which these inquiries suggest. I demand that these inquiries be investigated and removed promptly. 

Inaccurate Charge-Offs The following charge-offs are inaccurately reported : XXXX XXXX, account ending in XXXX, charged off on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX account ending XXXX XXXX XXXX charged off on XX/XX/XXXX 15 U.S.C. 1681s-2 ( b ) requires furnishers to ensure accuracy, and 15 U.S.C. 1681i obligates credit reporting agencies to investigate disputes promptly. Furthermore, any cancellation of debt should have been reflected per IRS 1099-C, eliminating the liability. 

Recent Breaches and Precedents The recent XXXX data breach exposed XXXX  of consumer records, heightening the risk of unauthorized access to personal data. Additionally, the CFPBs lawsuit against XXXX on XX/XX/XXXX, for reinserting inaccurate data highlights the systemic issues in credit reporting systems. These developments necessitate heightened scrutiny of my report. 

Relevant case law, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), underscores that credit reporting agencies are liable for failure to ensure accurate reporting and proper investigation of disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX - XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I met XXXX XXXX XXXX online in XXXX of 2023. He said he was from XXXX XXXX XXXX, XXXX XXXX. He promised to give me a better life, a life of happiness and abundance. He said we would buy the hotels and apartment buildings of my dreams, to buy a nice house, nice car, traveling, and open a business. He kept calling me, every day night and day, all night. Until I fall for him and everything was changed. I lost everything, my retirement and all cash money in the bank. He asked me to help him recover his wifes inheritance from XXXX. The inheritance is {$4.00} XXXX, and was transferred to the next of kin, his daughter. But XXXX 's rules are to release the inheritance to the beneficiary, to a mother who will stand as a mother for her. The daughter asked me to be the beneficiary, so I said okay. So they started the process and kept asking me to pay the taxes, the change of name, then the clearance to release the inheritance was {$90000.00}. I was withdrawing money every day, for one year. I would come to the bank every single day to withdraw money to send to him. My two banks were Citibank and XXXX bank. All gone, all cash withdrawn savings and checking, and save retirement accounts for 30 years gone. Withdrawn and transferred to my checking and withdraw to send to different person he gave me. He promised that after paying all that money, he would come to XXXX and pay me double and we would live together. But after paying everything, he never came. I withdrew all my savings, checking, and my IRA account, every thing was sent to different countries and people who will accept the money to pay for the clearances. Total amount of my money and investments {$250000.00}, and {$100000.00} loans and mortgage. Paying monthly payments of {$1200.00} every month and credit cards {$500.00} to {$600.00} every month. Now, Im filing a complaint and asking for help because while I was withdrawing all this money, the bank didnt stop me or freeze my account to protect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankrupty on all 3 of my reports. I have never had a bankruptcy. I filed one then went back within 3o days and withdrew it. I feel it is unjust and it has caused me severe hardships so much that I couldnt care for my dad so he passed. I went XXXX  and stayed XXXX for years because I couldnt find decent housing. It is not right or fair for me or anyone to hav e to go thru the same harsh punishment for filing a bankruptcy but never being declared or more less, never going in front of a judge. Just never persuing it at all, and a person that filed, went to the judge, got their bills erased, was declared bankrupt, and was under the laws of bankruptcy and eventually was released. It is unjust for the two different scenarios to have to go through 10 years of negative reporting. why does the credit bureau have the right to tarnish me and my name for something that never took place. Filing and being declared bankrupty is 2 different things. Filing to be declared bankruptcy isnt what I had or have. I filed just to start paperwork however, never finished the paperwork and was never declared. Yet my life has been ruined in many areas for the past 9 going on 10myears. Why do the bureaus have the right to abuse their power and who gives them this right? My life ruined because of power and money. They have no idea what it has done to my XXXX XXXX. my XXXX XXXX, and my financial health.
Product: Credit reporting or other personal consumer reports

I acknowledge your attention to rectifying the erroneous entries in my record following an alleged incident of identity theft. Despite your efforts to address certain fraudulent items in my file, there remain unresolved matters that require removal. This marks my second communication as a victim of identity theft, wherein I seek to contest specific entries resulting from the aforementioned criminal act. The items subject to dispute are unrelated to any transactions wherein I obtained goods, services, or authorized financial transactions. Kindly expunge from my credit file any entries stemming from the alleged identity theft, as outlined below for each bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX H H XXXX XXXX ) XXXX Balance : {$120.00}. I have also enclosed my new FTC report # XXXX for your reference.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi, I disputed the unauthorized transaction for SYNCB / AMAZON with XXXX, and the dispute report # XXXX did not find the mistake. 
Back in 2014, I found many fraudulent transactions and called Amazon to cancel the account, but it kept sending the statement to ask for the payment I did not authorize. 
It affects my credit score a lot. Could you please help me to solve this problem? 
Thank you. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report, Despite my submissions. XXXX 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 reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the XXXX XXXX XXXX XXXX ( XXXX ). 12 U.S.C. & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received my consumer report and see that this company is reporting a account that was open by someone who stole my identity. I tried to work with the company but they are being relentless saying that I owe the debt even trying to sue
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, XXXX failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Experian 's failure to uphold consumer protections under the FCRA.
Product: Debt collection

This past XXXX or sometime earlier this year I contacted XXXX or XXXX in regards to my credit report. I reported false claims on my credit report. They went ahead and removed it. I know for legal reasons, they have to note and document when something is removed from my credit report. 

The Cardinal Group had originally reported something on my credit report because of the XXXX XXXX renters and housing crisis. While nobody was able to work, they still harassed me to make payments. Jumping to 2024, I had this credit ding removed from my credit report. Now its popping up again as a new outstanding collection under a new name of XXXX XXXX XXXX 

I never heard of XXXX XXXX XXXX. They never mailed or emailed me anything. But one thing is for sure, this debt is owned by Cardinal Group and it was removed from my credit report. 

I know that collection agencies are companies that choose to bye debt. But they are required to inform us when our debt moved around. They are also not allowed to please debt back on our credit report after a credit agency removed the charges/claims. 

Please teach out to either XXXX or XXXX about this collection.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$2400.00} XXXX  XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX XXXX Balance : {$590.00} XXXX  XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year>. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

On XX/XX/23, I called Mohela in order to prepare for my first payment on XX/XX/23. I called after receiving emails XXXX I would possibly have to manually pay a portion of my loans. The total amount due for XX/XX/23 was {$700.00}. It was not made apparent through emails what amount I needed to pay manually so I called on XX/XX/23. I spoke to a representative to confirm what amount will be auto debited and was told XXXX {$620.00} would be auto debited as scheduled on XX/XX/23 and I have to manually pay {$75.00} in order to make up the difference of the final due amount of {$700.00}. 

As of XX/XX/23, I have an overdue balance of {$620.00} which is accumulating interest daily. I would like to submit a complaint and have any additional interest or future damages to my credit reversed as I was assured XXXX the total amount would be confirmed to be paid marked on XX/XX/23.
Product: Credit reporting or other personal consumer reports

ON OR ABOUT XX/XX/XXXX, I REQUESTED VALIDATION OF ALLEGED DEBT FROM CCB/DNTLFRST WITH SPACIFIC INSTRUCTION ON HOW I WOULD LIKE TO BE CONTACTED THE Y VIOLATED THE INSTRUCTIONS AN SENT A VERIFICATION LETTER STATING IT WAS VERIFIED AN NOT VALIDATED LIKE I REQUESTED ALSO THIS IS A MEDICAL DEBT AND SHOULD NOT BE REPORTED ON MY CONSUMER REPORT WHICH IS A VIOLATION OF HIPPA According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third-party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it 23 was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. I Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-offs reported by your companies to the credit reporting agencies regarding the accounts listed below : Account Number : XXXX XXXX Account Number XXXX Status : Paid in settlement. {$810.00} written off Closed Account Number : XXXX XXXX Account Number XXXX Statues : Account charged off {$12000.00}. Written off XXXX, 243 Under 15 U.S. Code 1692, I never provided written consent to furnish or obtain my personal information related to these accounts. According to the Fair Debt Collection Practices Act ( FDCPA ), any information furnished must be accurate and compliant with legal requirements. The inclusion of these charge-offs on my credit report is unauthorized and constitutes a violation of my rights under federal law. 

Furthermore, I reserve the right to utilize the arbitration process to seek compensation of {$1000.00} for each negative item reported without my written consent. The inaccuracies on my credit report have caused undue harm and financial distress, and I intend to hold your companies accountable for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX, XXXX & XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX  XXXXT ( Original Creditor : XXXX XXXX OF XXXX XXXX ) Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OPEN XXXX 2020 {$900.00} COMPANY : XXXX XXXX XXXX I CALLED NO RESPONSE
Product: Bank account or service

Approximately a half hour ago I visited a US Bank ATM/branch inside a XXXX grocery store. I left my debit card in the ATM slot too long and it ate my card. I immediately looked went to the teller who advised me to get my ID out. He retrieved the card, noticed I am not a US Bank customer, and advised that " by law '' they could not give me my card unless I am a customer. 

XXXX XXXX the branch assistant manager ( XXXXXXXXXXXX ) advised that this us because they do not know why it ate the card ( he was looking right at it ). He said it could be fraud or anything and even though Inhave an ID he wouldnt know the reason. I asked if he would know the reason if I were a US Bank customer. He said he would. Which also does not make sense to me. 

XXXX advised that he can assure they would destroy my card for me. 

Branch XXXX XXXX Assistant Branch ManagerWhy can he stand there and keep what is mine when literally a minute prior the ATM took my card and I have a drivers license? Why can he return the card if I were a USBank customer but not otherwise? What " law '' states that he can not return my card to me because he does not know why the ATM ate it, though apparently the " law '' allows him to if I were their customer?
Product: Mortgage

On XX/XX/year>, I contacted the servicer Shell Point Mortgage to inquire who the Investor was for my loan from 18 years up til now. 

I also requested a deferment for three months which I was told I qualified for.

I also informed the servicer this is a investment property and the tenant is not paying rent and I had to pay the taxes and the tenant can not afford to pay.

So I applied for a 3 months extension to pay theses mtg payments.

Now, I had not heard from Shell Point so I decided to call them to request the servicet number again since the number that was given to me on a recorded line was incorrect.

After speaking with them today I was told by phone that my request was denied because I needed to be 60 days behind in XXXX  payments to qualify.

Now, I have owned this property for 18 years and I owe even more money then first originated. 

I am requesting to release of mortgage certificate I have no idea who the owner is of this loan and I want out. 

I have paid over {$300000.00} for a loan that was sold to a car lot for {$20000.00}. 

I feel I have paid more than my share for a loan that I should not be still owing the balance of. 

I know their was and advance of {$10000.00} that was paid to the HOA and I took a fall for that because I have been acting as a servicer for 18 years and was not told I had to pay this debit back but I did not have to pay this debit back.