23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For the past 2 years I have been sending debt validation letters with no response. 
This debt collector purchased debt from a bank that cant verify debt. 
2 letters sent to debt collector about debt validation which they ignored. 
Now uniiund filed lawsuit. 
Lawsuit was sent without certified letter-signature requested. No one was available to receive letter. When investigating I found letter was reported as received by individual when it was not. Video monitoring of mailbox showed no letter delivered. 
I have a service that monitors courts for identity theft. Case was e filed on XX/XX/XXXX. No information appeared in court records until XX/XX/XXXX. It as if case information was masked so I could not monitor. 
Debt collector demands a response within 3 days. Ohio law allows 28 days. Unifund not following state law in addition to debt validation letter rules
Product: Debt collection

Ive called this company spoke to a customer service agent as well as a supervisor. Neither of the calls made yielded a contract saying I was in an agreement with them. They say they are a third party agency that bought a debt and I need to pay them {$200.00}. I do not owe this company any money, nor have I signed an agreement to pay them any money on behalf of any person or business. I asked for the comp [ any to send me the original contract for this agreement and I was told they do not have it. Please remove this from my credit report as a derogatory item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was a collection on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a Collection that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this collection account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEM : XXXX XXXX
Product: Credit reporting or other personal consumer reports

The information on all XXXX  credit bureaus differ one i have asked for investigation several times none of these companies have done a thorough investigation. They have different payment historys there is missing payment information
Product: Credit reporting or other personal consumer reports

XXXX XXXX violated 15 U.S. Code 1637b. It requires creditor to provide a statement in the mail following the rules of 15 USC 1637b and I never received a statement with everything in that article of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute on XX/XX/2023 with Trans Union for a credit card that was apparently open on XX/XX/2023. I never opened that credit card account because I recently filed bankruptcy on XX/XX/XXXX or XXXX, XXXX. They allegedly did an investigation to say that information was correct but when I spoke to the credit card company XXXX XXXX XXXX, they said that there is no account when they check my social security number. Trans Union refused to give me the account number for the credit card so that I can give it to the credit card company to verify who the account belongs to. How are they investigating and saying things are accurate that isnt there? They refuse to remove the account that isnt mine. My credit report bud saying payments are on time but I dont have a card and havent been making payments towards XXXX. Thats fraud!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

This debt was handled by an attorney the agreement was that XXXX XXXX would remove information from my credit reports and they have not done so
Product: Credit reporting

As part of ongoing disputes wih Equifax, where no such dispute was XXXX with FRAUD - Equifax inserted a FRAUD statement on my report - and then sent/shared it with XXXX and XXXX. 

The statement is wholly inaccurate, and not in any way shape or form warranted. 

Please remove this statement from my reports - and then - request that the same CRA 's you shared it with - as you ARE the owner, remove the same. 


" Company respondedXXXX said : Explanation of closureIn order to protect your privacy, we have mailed an updated copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your credit report. 
ReliefWe received your complaint about the Initial Fraud Alert in your credit report, and apologize for any difficulty you may have experienced. Initial Fraud Alert identified in your complaint has been deleted.. 
DisputeResponseWe have reviewed your complaint along with the information you provided regarding this issue. In response to your request on XXXX/XXXX/2015, we received a request from Equifax to add an Initial Fraud Alert to your XXXX credit report. As a result the alert was added and a notification was sent to you via mail on XXXX/XXXX/2015. Please be advised under the guidelines of the Fair Credit Reporting Act, " Each consumer reporting agency that receives a request to add a fraud alert or active duty alert from another consumer reporting agency shall add the alert as though the agency received the request from the consumer directly. '' At your request we have deleted the Initial Fraud Alert from your XXXX credit report.
Product: Mortgage

XXXX services a mortgage I have on a residential property. I use their auto-pay service, set up using their web site. 

On XX/XX/XXXX, I logged in to adjust the automatic payment amount. The web site told me as part of this process that it was cancelling my existing automatic payment. It was not clear to me whether this meant my XXXX payment was cancelled and I needed to make a new one time payment, so I called customer service. 
XXXX customer service on XX/XX/XXXX told me that yes, my XX/XX/XXXX auto-payment was cancelled and would be automatically refunded to me. They said I needed to make a new one time payment for XXXX, and auto-pay would resume in XXXX. Following their instructions, I made a one time payment. 

On XX/XX/XXXX, I saw that my checking account balance was very low, and that the XX/XX/XXXX auto payment had actually gone through, in addition to my subsequence one time payment. I called customer service to confirm that the first payment would be automatically refunded to me, and they told me that no, it would not be. So, I had been fooled into double-paying. 
After escalation to a manager, they agreed to wire the money back to my account that Friday ( XX/XX/XXXX ). They asked for, and I provided, a PDF of a screenshot of recent transactions from my bank 's web site, showing that the original auto-payment had posted. 

On XX/XX/XXXX, when I did not receive the money, I called again. After escalation to a manager, they told me that their refunding department had rejected my PDF because the page did not say the full name of the bank. They did not inform me of this until I called them on the afternoon of XX/XX/XXXX. I explained to them that my bank 's web site does not show the bank 's name, only their logo, on the page that lists recent transactions. They said there was nothing they could do about that. 

I also called the bank to find out if they could provide me a PDF of recent transactions that shows the bank 's name, but they said all they can give me is what's on the web site, or I could wait for my monthly statement- which will be on XX/XX/XXXX. 

I've tried several more times to get XXXX to refund my money quickly. They are unwilling to take responsibility for the fact that their misinformation fooled me into paying them, and they are unwilling to fix the problem. Even though their own systems clearly must show that they withdrew this payment from my account, and that they have my money, they still insist on receiving a PDF from me to prove what they already know, and they require a PDF they know I can not provide because my bank 's web site doesn't display its name on the transactions page.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to Dispute these Account I did not Authorize or give any consent to these companies on my Accounts
Product: Credit card

Had to quit my XXXX at XXXX due to XXXX due to the issues. XXXX hospitalized quite often. I am XXXX years old and on limited and fixed income and struggle with the resulting XXXX results. I had to quit before bills such as credit cards were paid off. I am being harassed by a collection company who does not believe me and says I can pay them in spite of my limited income when medicines are increasing, etc. I wish they would stop harassing me for something I can not do for them. The calls and shaming tactics are painful and cause XXXX XXXX to spike over XXXX. Other situations cause it as well, but talking with them and worrying keeps the bp way too high constantly. I do not know how to get them to leave me alone. I would file bankruptcy, but attorney fees way too high to pay. My health has to be number one.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XX/XX/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 XXXXXXXX XXXX XXXX Incorrect Name XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX XXXX Incorrect Address These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My account went into default due to loss of my job. The account was charged off and then bought over by a law firm debt collector. We reached an agreement for a monthly payment and I have been making the payments with no default. There was no offer in compromise, so I am paying the full money originally owed. 

However, the status of my account is still stated as a 'charge off, closed ' and the monthly report is reading as 'failure to pay ( FP ) ', while I am steadily making the payments. I contacted the law firm and was told it's the original debt owner ( Discover ), that is reporting it that way. I contacted Discover to change the status but they have refused to comply. 

The original debt was {$7800.00} and the current amount owed is XXXX 

I am requesting that the Status of the account be changed to 'paying as agreed ' and the monthly reporting to read, 'On time '
Product: Credit reporting or other personal consumer reports

Cease and Desist Violation of Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) Dear XXXX XXXX XXXX I am writing to formally demand that you immediately cease and desist from your failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that a consumer reporting agency, or any entity providing consumer reports, must maintain procedures designed to ensure maximum possible accuracy of the information in consumer reports. 

On XXXX XXXX I discovered that inaccurate, incomplete, or unverifiable information was included in my consumer report, despite my prior communication with your organization regarding the discrepancy. According to 15 U.S.C. 1681e ( b ), you are legally obligated to follow reasonable procedures to ensure the accuracy and integrity of the consumer information you report. 

By failing to correct or verify the disputed information, you are violating my rights under the FCRA. I request that you immediately take the following actions : Correct the inaccuracies or discrepancies in my consumer report, as per the mandates of 15 U.S.C. 1681e ( b ). 
Provide written confirmation that you have investigated and corrected the inaccuracies, including an explanation of the actions taken to ensure the accuracy of the information. 
Cease including any unverified or inaccurate information on my consumer report. 
If you do not take appropriate and immediate action to resolve this matter, I will be forced to consider further legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking damages through legal channels. 

Please treat this matter with the urgency and attention it deserves. I expect to receive a written response within 30 days confirming your compliance with my demands. 

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

I accidently gave out personal information to some 1 in XXXX and PNC had to close my account 4 fraud. I tried closing my account back on XX/XX/2020 and they wouldn't let me. I've gone into PNC a few more times since and now they are telling me that i have to wait 90 days for me filing disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are fraudulent and do not belong to me. Please have them removed from my credit report : XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Chime not providing provisional credits on time for disputed transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person FCRA Section 604 Permissible Purposes of Consumer Reports This section of the FCRA specifies when a credit bureau can legally furnish your credit report to a third party. Some permissible purposes for making a credit inquiry include : Credit Transactions : When a lender or creditor is evaluating you for credit, loans, or financing. 
Employment Purposes : If an employer is performing a background check with your written consent. 
Insurance Underwriting : When an insurance company is considering you for coverage. 
Government Licensing or Benefits : When the government needs to check eligibility for licenses or benefits. 
Court Orders : In response to a valid court order or subpoena. 
Debt Collections : When a company needs to collect on a debt owed by the consumer. 

For an inquiry to be authorized, it must meet one of these permissible purposes. If it does not, it is considered an unauthorized inquiry, and you have the right to dispute it. 


I have no capital one accounts Ill leave photos below
Product: Debt collection

I first called XXXX XX/XX/2020 to have them make a thorough investigation of my previous account with them to make sure if any payments were owed. They said my accounts were closed with no payments needing to be owed. 

I followed up with to inform them of my status with XXXX & kindly asked if they have any proof I'd still be happy to take care of the payment but if there isn't any please address. 

Credit Control Corporation Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX Hours : Closed Opens XXXX Wed Phone : ( XXXX ) XXXX - Aggressive, Rude, Short. No attempt to discuss and provide proof of what I need to pay.
Product: Checking or savings account

I am on a cruise. I used a XXXXXXXX XXXXXXXX XXXX XXXX XXXX to withdraw {$350.00} with my paypal debit card. The machine withdrew the money from my account but did not give me the funds. No receipt was dispensed and the screen said it was out of service once it took the money out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several ( 5 total ) factual based disputes to TransUnion and provided documentation demonstrating and proving to TransUnion my dispute is valid ; however, TransUnion continues to report inaccurate information yet TransUnion has failed to properly investigate my disputes nor have they reviewed the documentation I have provided. 

All 3 credit bureaus are reporting different payment histories, different payment dates, and inaccurate dates last active. Each time I dispute the inaccurate information, each credit bureau indicates they have verified the information. If each credit bureau is reporting different information for the same creditor ( s ) how can the information be verified. 

I have the right to a fair and accurate credit report under the FCRA and if the creditor can not provide the credit bureaus with consistent accurate information, these items must be removed from my credit report. 

I have given the creditor and TransUnion several chances to properly report the information or remove the inaccurate accounts from my credit file and the credit bureau has failed to investigate my dispute, correct, or remove the inaccurate information from my credit report. 

See attachment " Disputed Accounts_TransUnion '' for list of accounts in dispute
Product: Checking or savings account

On or about XX/XX/2021 Regions Bank closed my checking account for being overdrawn over 60 days which they caused to be overdrawn by excessive fees as I live and reside in XXXX Mo and we don't have a atm here and closest atm or branch is in XXXX MO or XXXX MO over XXXX away! They also never notified me in any form they would be closing account. I was suppose to receive direct deposit from Mo Unemployment XX/XX/2021 which was rejected! Therefore their actions caused me economic harm by putting me into a economic hardship during COVID-19 pandemic.
Product: Debt collection

I HAVE RECEIVED MULTIPLE ILLEGAL TELEPHONE CALLS THIS MONTH. THE CALLER DOES NOT LEAVE A MESSAGE. I HAVE GOOGLED THE NUMBER ( XXXX ) AND DISCOVERED OTHER PEOPLE HAVE BEEN BOTHERED AND HARASSED BY CALLERS USING THIS NUMBER. THE CALLER REPRESENTS CONTINENTAL SERVICE GROUP , INC. ( ConServe ), A DEBT COLLECTION AGENCY. 

I HAVE NO DEBT. I SHOULD BE NOTIFIED BY MAIL IF A COMPANY THINKS THAT IT HAS BUSINESS WITH ME. I DEMAND THAT THE COMPANY STOP CALLING ME, OR PROVE THAT THEY HAVE BUSINESS WITH ME. 

I CAN NOT BE THE ONLY PERSON THAT ConServe IS CALLING FOR NO REASON. PLEASE INVESTIGATE THIS COMPANY 'S BUSINESS PRACTICES. AND, PLEASE FIND OUT WHY THEY CALL ME, AND HAVE THE CALLS STOP, PLEASE.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute against XXXX for failing to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Despite my efforts to dispute inaccurate and/or unverifiable accounts, XXXX has XXXX to properly investigate, leaving erroneous information unresolved. 

The CFPBs recent lawsuit against XXXX highlights systemic issues that align with my experience, including failure to forward consumer-provided evidence to furnishers, reliance on unreliable responses, and inadequate notification of dispute outcomes. My attempts to resolve this matter directly with XXXX have been unsuccessful, and I am now seeking regulatory intervention. 

I request that all disputed accounts be removed from my credit report immediately, as they are either inaccurate or unverifiable. Experians continued failure to comply with FCRA requirements is negatively impacting my financial standing, and I urge the CFPB to take appropriate action to ensure compliance. 

Attached, you will find copies of my dispute letters, supporting documentation, and Experians responses ( or lack thereof ) for your review. 

Thank you for your time and assistance in this matter. Please contact me at your earliest convenience should you require any additional information.
Product: Credit card or prepaid card

There were three cards fraudulently opened in my name by my husband at the time with American Express. We are divorced now. I called in XXXX of XXXX and they refused to speak with me since my name wasnt on the cards, even though my social was used. Ive attempted disputing several times with the credit bureaus of which have been denied. I called on XX/XX/XXXX and started a fraud claim, of which they stated his name was on the cards using my social. I called back on XX/XX/XXXX after receiving 3 letters for the accounts stating the claims were denied since they stated I opened the accounts. They refused to send me any documentation each time showing his name on cards opened using my social security number, nor will they remove the accounts from my social or credit. I have explained several times that I did not open these accounts. Ive only had one card with American Express that I have paid off and closed several years ago.