23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX LAST FOUR : XXXX XX/XX/2018 AD Astra Recovery Servic XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Ks XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 
Name of Account : Provide Physical Proof AD Astra Recovery servic, FOR THE AMOUNT OF : {$620.00}
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Inquiries that are being challenged XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXXXXXX XXXX.PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Checking or savings account

New account bonus of {$350.00} offered after {$4000.00} in direct deposits within 90 days of account opened. Account opened XX/XX/year> and {$4000.00} in direct deposits were made within 60 days. Customer resolution representative XXXX has advised that the first payment of {$250.00} was not coded as direct deposit and there for did not count towards the bonus. This {$250.00} was from the same exact payroll company as the remaining payments and should have been coded exactly the same. This is fraud on the banks end to not honor this promotion.
Product: Credit reporting or other personal consumer reports

inaccurate information being reported on my credit profile causing me to be denied credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX to XXXX. here is my tracking number.. However the credit bureaus said they completed the investigation and everything was 100 % correct. According to the Law 15 U.S.Code 1681a-definitions ; rules of construction. The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation? 
What would be a fair resolution to this issue? 
delete the accounts from my credit reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

American Express ( Amex ) inquiries are on my credit report fraudulently. I spoke with a customer service representative who informed me that these were applications submitted over the phone using my personal information. It is common knowledge that ANYONE can submit a credit application with someone else 's personal information. I am disputing these inquiries, made on these dates : XXXX XXXX, 2015 XXXX XXXX, 2015 XXXX XXXX, 2015 XXXX XXXX, 2015 XXXX XXXX, 2015 I did not submit ANY applications to American Express ( AMEX ) on these dates and wish for the hard inquiries placed on my credit reports ( XXXX and XXXX XXXX to be removed. Moreover, it should be noted, the frequency of these credit applications being submitted reflects identity theft.
Product: Credit reporting

I am putting in a complaint against Lexis Nexis XXXX because they have placed an alert on my consumer file that has made it difficult for me to apply for credit. I have tried to contact them on this to no avail. I would like my file to be free from any alerts and for my file to be placed on freeze status instead.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, La. XXXX XXXX XXXX, 2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Collections Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Dear CFPB, I am writing to formally file a complaint regarding a collections account handled by IQ Data International Inc XXXX The account is inaccurate, and I believe their actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

The issues with this account include the following : 1. Inconsistent and Increasing Balances : The balance of the debt continues to increase without any clear explanation or documentation of additional charges, fees, or interest. I have repeatedly requested a breakdown of the amount but have not received a satisfactory response.

2. Failure to Validate the Debt : Despite my written request to validate the debt, the collection agency has not provided sufficient documentation to substantiate its accuracy, including a detailed accounting of the balance, proof of their authority to collect, and verification of the original debt.

3. Continued Reporting of Potentially Inaccurate Information : The collection agency continues to report this account to the credit bureaus without ensuring its accuracy, further damaging my credit profile.

I believe these actions are unfair and deceptive, causing me undue stress and harm. I have attempted to resolve this issue directly with the collection agency, but they have failed to address my concerns or provide the requested documentation.

I request the CFPBs assistance in investigating this matter and ensuring that my rights are protected. Specifically, I ask that the CFPB : 1. Investigate the practices of IQ Data International Inc. regarding this account.

2. Ensure the collection agency provides proper validation of the debt or ceases collection activity and reporting if they can not validate it.

3. Hold the collection agency accountable for any violations of federal law.

I have attached copies of all relevant documentation, including my dispute letters, the collection agencys responses ( if any ), and any supporting evidence of their noncompliance. 

Thank you for your time and assistance in resolving this issue. Please feel free to contact me at XXXX or XXXX if additional information is needed. 

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

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the XXXX XXXX, and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you
Product: Credit reporting or other personal consumer reports

The following accounts are illegally reporting on my credit report without my written instructions and is a violation of Gramm-Leach-Blilley Act under 6801,6802.

Additionally, FCRA 602 states I have a right to privacy and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions. 
I want the listed accounts to be removed immediately. 

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 If any of these accounts are verified/ updated send me the Description of the Procedures used to verify these accounts in accordance with FCRA 611 ( a ) ( B ) ( 6 ) ( iii ) and FCRA 611 ( a ) ( 7 ) which I am privy to in 15 days in accord with law.
Product: Debt collection

Around XXXX I was involved in a minor fender bender resulting in a cracked tail light. Now the opposing insurance company has sent me to a debt collect claiming {$3300.00}. I received a notice demanding payment within 7 days or they will seize my driver 's license and license plates.
Product: Bank account or service

I have been banking with wells fargo for 3 years, A few weeks ago a friend wrote me a check to help me pay off some debt, Its still unclear where the error was made but the check was referred to maker. Once my friend found out the check returned, i was given the cash I got to the bank to deposit the money and my account is frozen and referred to the fraud dept. This scared me because i 'm a hard working citizen and committing fraud it not something I do. So i call the fraud dept and i get the run around form many different reps saying how it could be corrected, One representative said i needed a letter from my friends bank stating why it was referred to maker. while other representatives and me to do other things the didnt get the hold removed from my account, during this time i have received fees for items that came back returned because i was unable to put the cash into my account. Wells fargo is saying they will close my account, and use the money in my saving account to cover it. This has been a disaster no access to funds, no banking account or access to my secured credit card.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a balance and history on a business account. 
This account was opened under a business in which I signed a personal guarantee this is a business transaction, and I acted as the guarantor, this account was not taken out on my name, nor did XXXX considered my personal credit history when underwriting approved this loan. It was soley done under business taxes, and profit and loss statements. I am requesting this information to be removed immediately from my personal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I currently have a loan from my former university XXXX that is and always has been in good standing with XXXX. I continue to get mail from XXXX XXXX who claims they are the lender for the same XXXX loan and have been reporting non payments to the credit bureau negatively affecting my credit. I reached out o FASA who confirmed that the loan in question is in fact in good standing with XXXX. I also filed a dispute with Transunion and have a file # XXXX thus far XXXX XXXX has not responded. Using the account number from them XXXX they claim that XXXX sold them the loan and that they are the new lenders. Again this loan has been under XXXX for a few years and there can not be 2 lenders for 1 loan. XXXX also confirmed that they only have XXXX and has no knowledge of XXXX XXXX and according to their records it appears that XXXX XXXX maybe engaging in fraudulent activities. I do have fraud alerts with all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Dynamic Recovery Solutions 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 an account without my written instructions. 

I would like to have the account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last XXXX Acoount # 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 record 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

Date Opened XX/XX/2016 by DESIGNED RECEIVABLE SOLU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX For original creditor : XXXX XXXX XXXX XXXX ( XXXX XXXX ) For a hospital visit. At the time I went to this hospital for a visit, I had XXXX insurance / XXXX XXXX XXXX ( XXXX  XXXX XXXX ). 

Insurance already paid this bill : Balance {$3400.00} Original Amount {$2200.00}
Product: Prepaid card

I requested all original statements be sent to me Bank of America said they no longer had them. Instead they could send to me from their system a printed list of all debits and credits. The bank emailed me the list. When I opened this what I saw upon opening this list was double debits on the same day hours apart for the same amount, I saw transactions where the first one was mine and the second one arriving at times like XXXX and XXXX for a different amount but the same merchant and I saw double debits same place same amount XXXX hours later. There were out of the country international charges for companies who are in the XXXX like XXXX. I saw digital debits from XXXX when I am a XXXX member and XXXX is included in my XXXX membership. I saw credit that I was able to obtain through the merchants I reached out to. I saw fraudulent transactions where the bank needed to reach out to these merchants and never did so. XXXX pages of transactions and credits but not showing any credit for my store returns? I will be sending to you the XXXX pages marked so everyone understand what is mine and what is not!!!
Product: Credit card

CAPTIAL ONE RUIENED MY CREDIT AND DIDN'T TELL ME!!!!!!!!!!!!!!!!!!!!!!!!!! 

I got my card XXXX of XXXX to help build my credit. I was doing very well in my payments in on my credit report you can see I never missed a payment up until XX/XX/XXXX. 

In XX/XX/XXXX my limit got upped XXXX XXXX dollars. It went from XXXX to XXXX. XXXX I spent XXXX due to personal reasons and money issues. XXXX amout is XXXX. Same issue with myself in XXXX. I went up to my limit ending statement amount was XXXX. Again still never missing a payment. I missed XXXX payment because it was over the limit of course and the minimum was higher therefore did not have the money. But I made the payment with the additional charges. 

Ever since XXXX my account has shown " restricted '' i thought this was due to the missed payment and they wanted me to pay down my debt a little bit before they unrestricted my account again. 

I checked my credit report today. THEY CLOSED MY ACCOUNT!!!!! This went on my credit report. They did not call me to give me a warning or say they were going to do this if i didnt get the money down or anything. During the phone call the women said it was due to spending activity. If the activity was bad they had a whole 2 MONTHS to call me, email me or mail me a letting giving me a warning before closing my account without telling me and putting that on my report. 

On the phone call she told me they sent the Letter out on XX/XX/XXXX the letter states I must pay by XX/XX/XXXX or they will close my account... HOW DO THEY EXPECT ME TO PAY THE AMOUNT IN 1 DAY FIRST OF ALL. SECOND I DIDN'T EVEN GET MY LETTER ON TIME. Go back to our recording of the call. The lady first says they sent it yesterday XX/XX/XXXX then says she made a mistake and sent it XX/XX/XXXX. But 2 days including the XXXX for a letter to be mailed and for me to get the money to make a XXXX payment is crazy AND ON THE FIRST MISSED PAYMENT FOR THEM. 

THEY RUIENED MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I was looking at my credit report as I do very regularly and came across an account that showed up on my credit report on XXXX from XXXX XXXX without any prior knowledge, I received a letter dated XXXX from XXXX XXXX XXXX PA stating that I need to send a letter if I wanted to dispute the validity of so called debt and required that I send in a response by XXXX. This account is illegally reporting on my credit report and in violation of my consumer laws, in many cases I have to right to seek litigation. It is illegal to report this account to the CRA if I provide such dispute before given deadline which was XXXX and an investigation must be completed. Here is the tracking number for the letter send certified mail : XXXX which was delivered on XX/XX/2023, XXXX am. 
I will also attach the letter sent to XXXX XXXX  XXXX below. 

15 USC 1692 ( e ) and 15 USC 1692 ( f )
Product: Mortgage

SPS has yet to answer my questions for over a year would not let me speak with the escrow dept or the legal dept regarding my complaint. The customer service and ombudsman have no authority to update or change anything. These people have NO CLUE!! SPS can not correct XXXX until XXXX is corrected. 

1. We have raised the same questions due to the lack of clarity from SPS as to the reason for the months long delay in updating/crediting the insurance and tax information to reflect the corrected amounts in addition to the {$1400.00} escrow only payment. 2. SPS has yet to explain why my payment of {$890.00} changed between XXXX XXXX XX/XX/XXXX prior to the new policy effective XX/XX/XXXX. When the payments were made in advance. Then added additional funds for the same months?? 3. All insurance and tax information should have been updated immediately as the policy change took effect XXXX days after the effective date in XXXX, as well as the check applied in XXXX. All insurance and tax information and payments were sent within 24 hours of changes and it took Months to correctly apply resulting in what SPS is calling an ESCROW shortage in XX/XX/XXXX and applying monies wherever they want. My first payment was not due until XX/XX/XXXX more than enough time to correct the insurance tax and escrow for XXXX XXXX XXXX 
4. The information and numbers all come from the initial SPS XX/XX/XXXX Escrow on table 3. Never updating the insurance and taxes or crediting the account SPS continued to run incorrect information on my Escrow analysis resulting in an increased and incorrect monthly payment from day 1. As reflected in their response and multiple escrow analysis. BASED ON SPS INCORRCT ESCROW NUMBERS THE DEFICIT OF {$2500.00} SHOUD BE A CREDIT OF {$230.00} ONCE INSURANCE AND TAXES WERE UPDATED AND PAYMENT OF {$1400.00} APPLIED TO ESCROW IN XXXX, A NEW ESROW ANNALYSIS SHOULD HAVE BEEN RUN TO REFLECT THE UPDATED INFORMATION AND NEW PAYMENT!! IT DID NOT HAPPEN! I WANT A NOTICE of ESCROW ERROR FILED FOR XXXX. 5. What is a bankruptcy payment and what was the amount? Why was it added to my XXXX and February XXXX monthly payment? SPS states XX/XX/XXXX they transferred {$1700.00} to satisfy both XXXX and XX/XX/XXXX. 
6..ROLLING ALL OF THE INCORECT INFORAMTION FROM XXXX THE SAME THING HAPPENED IN XX/XX/XXXX WHEN I SAVED ANOTHER {$2700.00} ON HAZARD INSURANCE. 
XXXX. XXXX XXXX I MADE A XXXX XXXX OF {$960.00}, XXXX XXXX ANOTHER PAYMENT FOR {$2600.00}. WHERE DID MY MONEY GO????