23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, 2017 on or about XXXX XXXX my husband was contacted from teleohone number XXXX on his cell phone about a credit card I have in my name alone regarding payment-they proceeded to ask if he could get me on the phone about a financial matter regarding payment. He handed the phone to me and I told them not to call that number again. I am working with XXXX XXXX XXXX to resolve the debt. They did not have his cell number supplied by me and they should not be calling that number.
Product: Credit reporting or other personal consumer reports

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to XXXX, and pulled all three credit reports, Experian will not let you save your reports as a PDF onto your computer. Within 10 seconds of the report loading, I clicked the save button and it says the page has timed out for your protection. I asked my friend to pull her reports a few days later, and again, the other two agencies let you save your report, but Experian gave her the same message only seconds after the page loaded. I tried to report this to  XXXX, but they do not allow you to speak to a person. 

So in effect, Experian is violating the law by not allowing people access to a free report as guaranteed by law and pretending they are because they let you see it, but you can not actually save it. XXXX must be aware of this and facilitating Experian in their shenanigans.
Product: Credit reporting or other personal consumer reports

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 
Please see the attached disputes sent over the last few months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account and another collection company is stating they owns this account on the XXXX and XXXX. Therefore this account information is inaccurate and need to be delete. Also, I'm unware of this debt did not have the opportunity to dispute as I have never received information. 

XXXX XXXX XXXX # XXXX Please provide verification, method of verification and validation of this debt.
Product: Credit reporting or other personal consumer reports

I have ACCOUNTS passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically cash app to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions have cost significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Starting in XX/XX/XXXX I started receiving calls from ability recovery solutions regarding a Medical bill they claimed wasn't paid and I told them I was approved for SSI and Medicaid in XX/XX/XXXX. I had been fighting for XXXX for a few years altogether, and they backdated the Effective date for Medicaid back to XX/XX/XXXX they told me to call the hospitals and have them pull the accounts they had sent to collections back and file them with Medicaid instead. The hospital that the bill came from told me they pulled them all back and they were paid and closed. Well, I started getting calls from the collection company, and when I said to them that debt was paid they got rude and said to send proof to them, then they might close it. But when I tried to communicate with them about it they got hateful on the phone and threating towards me, and I called the hospital the bill came from, and they said they shouldn't be collecting on that debt, and they tried to contact them. but they refused to take it off my credit report and kept calling multiple times daily threating legal action and hurting my credit and because of them, my credit score dropped down really low. Also, they never sent proof in the mail about the debt when requested
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed Experian 9 different credit disputes to Experian on XX/XX/22 on XX/XX/22 they emailed me that the investigation they could not move forward with my dispute I was very detailed in the complaint. 
Experian never Investigated nor did they forward the disputes to the vendors involved. 
Experian seems to think it's above Federal law.
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, Account name XXXX : # XXXX, Account name XXXX  : XXXX, Account name XXXX : # XXXX Account Name XXXX  # XXXX, Account Name XXXX  # XXXX,, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing this complaint on this collection that showed up on my credit, because I have disputed this issue with XXXX twice on XX/XX/XXXX and on XX/XX/XXXX of 2024 I believe that is was not investigated properly, because I have no knowledge of this collection. I believe that it is continuing to report on my credit unfairly according to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts listed below needs to immediately be removed off of my credit reports as they are a result from me being a human trafficker victim I will attach all required documents XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has 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 reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have been a victim of identity theft since 2009. There have been plenty of accounts started in my name and social security. I have disputed a many of items, however they still remain on my report. This is holding me up from progressing in life as provider for my family. Also the dispute was submitted and the claim is more than seven years old. Once I disputed an educational debt. I was told it started over. I need help removing this. My job is now asking for me to sign a contact giving access to checking my report. I have been working this job for five years. I can not afford to lose this job due to something that is absolutely not me. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize, nor consent to any of these inquiries to be taken out in my name. Im unaware of any of this. All is being investigated by the FTC. Pursuant to the FCRA 15 USC 1692c-2 ( a ) they have 4 business days to block information. I have supplied my identity theft report, ID, statement, and proof of identity. A police report is not needed under this subchapter. Also pursuant to FCRA 15 USC 1681c-2 ( b ) ( c ) you the authority to decline or rescind but the information I sent was not blocked in error so the information can't be blocked. I have listed the items on the document attached.
Product: Debt collection

XX/XX/XXXX XXXX XXXX called multiple relatives and myself in different states claiming to be with each state/county judicial services and leaving messages a warrant would be issued for me if I didnt respond to be served papers. No explanation what for. After contacting XXXX number to be removed and have relatives info removed they refused and refused address for company called XXXX XXXX XXXX. Still insisted the calls are from the courts. This is probably for an old auto loan that had been transferred to Santander in XXXX. These voicemails have been saved.
Product: Checking or savings account

On XX/XX/XXXX, XXXX checking account was suddenly closed by Chase Bank, And not tell me why., and told me that I would receive a check for the balance of the account, but until now I still have not received my check, it has been half a year, during which I called many times to inquire, They told me it was under review., and all of them are the same perfunctory answers.
Product: Debt collection

I contacted the company through the XXXX XXXX XXXX on XX/XX/21. They first stated they had no records of the debt I was referring to. Then they stated they would send debt verification. 

I received a letter dated XX/XX/21. This is past the 30 day mark to verify debt. Meaning they only took the time to respond after the 30 days. 

They have not removed the collection. I want the collection removed from my credit report.
Product: Checking or savings account

I have received a letter from Chase saying that they have decided to close my account but yet failed to provide me with the reasons why.I did call the number and spoke to the supervisor from their compliance department and she said she doesnt have access and therefore she cant tell me the reason why. At this point, I feel discriminated and I still dont know why. As an employer, I never had any problem with any banking institutions nor committed any fraud or else. Thus, I need to know why Chase Bank is treating me this way after conducting years of business. Please help me sort out this situation. 
Thanks much in advance and looking forward to hearing back from you
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax regarding their refusal to properly address and remove fraudulent inquiries from my credit report. Despite my repeated efforts to resolve this issue directly with Equifax, they have failed to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ) to ensure that the information furnished on my credit report is accurate. 

Background of the Issue XXXX. Request for Method of Investigation : I contacted Equifax to dispute multiple hard inquiries on my credit report that I believe are fraudulent. 
I specifically requested the method of investigation they used to validate these inquiries, as required by law. 
To date, Equifax has not provided this information, nor have they offered proof that these inquiries are valid. 
XXXX. FTC Report and Evidence of Data Breach : I filed an FTC Identity Theft Report and provided Equifax with supporting documentation to demonstrate that my personal information was part of a data breach. 
I also submitted a formal letter requesting the removal of these fraudulent inquiries based on the evidence provided. 
Despite this, Equifax has refused to remove the disputed inquiries and has failed to provide a satisfactory explanation or proof of validation. 

My Complaint Equifaxs inaction and refusal to provide the requested method of investigation or remove inaccurate information violates their obligations under the FCRA. Specifically : FCRA 611 ( 15 U.S.C. 1681i ) : Equifax is required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report.

FCRA 607 ( 15 U.S.C. 1681e ( b ) ) : Equifax is obligated to ensure the accuracy of information furnished on my credit report.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : As I have submitted an identity theft report, Equifax is required to block fraudulent information resulting from identity theft within four business days.

Equifaxs failure to address my dispute, validate the inquiries, or provide evidence of their legitimacy constitutes a failure to comply with these legal requirements.

What I Am Requesting I respectfully ask the CFPB to take action to hold Equifax accountable and ensure they comply with their legal obligations. Specifically, I request the following : 1. Equifax must immediately remove all fraudulent inquiries from my credit report.

2. Equifax must provide a detailed explanation of the method of investigation they used to verify the validity of the disputed inquiries.

3. Equifax must ensure that all information on my credit report is accurate and, if it can not be verified, remove it promptly.

As a consumer, I depend on the accuracy of my credit report for financial stability, and Equifaxs refusal to act is causing undue harm and stress. I urge the CFPB to ensure that my rights under the FCRA are upheld and that Equifax is held accountable for their inaction. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the bureaus and creditors about my accounts being reported on my credit file that breaks numerous amount of laws within the FRCA & Truth Lending Act.. I have sent out mail numerous amount of times from the year of XX/XX/XXXX til now XX/XX/XXXX and I have not gotten a clear detailed documented reason for why the information is still reporting and how could these companies go against there reporting rules. I am seeking litigation and ask that this information and case be reported to Federal Trade Commission & attorney general. I ask that these accounts listed be throughly investigated and deleted from my file immediately!

Reason For : Over a period of time I have been contacting each creditor & bureau regarding inaccurate debts reporting to my credit file I have contacted each creditor & bureau regarding them going against the fair credit reporting act section 609 & 611. To my nature the law states that creditors & bureaus are all supposed to report 100 % accurate information in this case they are not. To be more specific these creditors & bureaus are reporting inaccurate debts which is bringing my credit file down tremendously & when I ask for a written response showing the validation from the creditor to bureau I keep getting prolonged or not getting all the information I asked for or they would report another inaccurate date, balances, open account date & then say its validated. 

Credit bureaus XXXX, XXXX, & Equifax have been going against the rules they are supposed to follow & have not been providing me with the proper documentation from each creditors Creditors are updating my file through a computer generated system when I asked for all of the proper documentation showing the accounts they validate I still have not receive the proper documentation & under law of the FCRA each of these accounts reporting on my credit file should be removed. 


I have sent Equifax XXXX & XXXX documents properly showing where everything is inaccurate that they are reporting onto my file even though its right there for them to see. These companies know they are wrong & I am demanding a change I am demanding that they remove these accounts by law or they will get sued for that I have been dealing with this problem for a while now & i am no longer accepting this! 


The companies are : 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 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 Equifax XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : Social, ID, Identity Theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

This information appeared on my credit report as a collection. I never owned this debt, I don't know either company. I never received a letter or information attempting to collect the debt to allow me to contest it as required by law. 

RADIUS GLOBAL SOLUTIONS Last reported XX/XX/XXXX {$340.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 1 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX bureaus and the original creditor letting them know the following information is fraud and needs to be removed immediately. They have failed to do so. IU have not received any letters from the original creditor regarding this debt. Nor have i received information from this XXXX XXXX XXXX regarding this debt or informing me they would send anything to collections. This violates the fdcpa and is fraudulently reporting on my credit report i demand immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon trying to get a vehicle loan I found out that USAA was reporting a charge off on my credit. So I called they ran me around then said a unpaid fee was on the account and would be backdated to the payoff I made in XXXX of XXXX. I have spoken to them in social media they say they would correct and back date. They have n't I have contacted them directly they said they would back date they have not. Then I contacted they BBB and they contacted usaa said it would be back dated now they whipped the reporting of XXXX and XXXX but left a failure to pay mark for XXXX XXXX on my credit. I need resolve and this fixed right its is hurting my credit bad as history is 35 % of a credit score.