23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from 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 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

I, XXXX XXXX who is a consumer/natural person sent certified letters to the consumer reporting agencies Transunion, XXXX, and XXXX in which they were received and signed for. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. Transunion with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. All 3 of these consumer agencies are breaking federal law by furnishing information on my consumer report WITHOUT MY CONSENT per 15 USC 1681b ( a ) ( 2 ). Its been well over 30 days and they are still reporting inaccurate information on my consumer report and has ignored my request.
Product: Credit card or prepaid card

I applied for the XXXX XXXX Business Mastercard by Barclays Bank. I was approved with promotional terms stating " Spend XXXX dollar and pay annual fee '' and receive XXXX XXXX XXXX miles within 90 days. '' I have fulfilled those terms and they are refusing to reward the miles to me.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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

This Debt was never my Debt, My ex-roommate obtained this loan. 

I explained this to the XXXX XXXX who was contacting me telling me first he was a lawyer, then he said he was going to file criminal charges for wire fraud if it was not paid. He then told me he would ruin my credit if it was not paid. 

So I continued to try and tell him this was not my debt and have been telling him since this all started this was not my debt. 

So this year they hit my personal checking account for this debt and both of my covid19 relief checks were taken. I found out today that the covid checks were not supposed to be taken. the IRS got Towers loans info to investigate. 

But the reason I am writing this dispute is that I keep contacting tower loan headquarters in XXXX about the covid 19 check and the fact they are reporting this wrong. 

So my account was drafted the full amount, but, they have been reporting to all 3 credit bureaus an outstanding balance, wasn't marked as fraudulent, and just recently it was marked from being unpaid with a balance to now it's marked as charged-off with a balance. 

So after talking to an attorney he asked if I had filed this with the CFPB and I told him no so he said I should. He is looking at the fact this is being reported as a charge off now but it's paid in full. 

So depending on what he charges I am looking at taking this to court. I have also filed a complaint with the attorney generals office about him being an attorney and ruining my credit so I am sure they will be sending the CFPB something soon on him aswell
Product: Credit card or prepaid card

Never heard of XXXX XXXX XXXX. Got a statement for {$0.00} in the mail today with a {$24000.00} credit limit. They say the account has been opened since 1989. They don't show any users or company owners listed but they will not cancel the card. There is no balance, no users, and no cards. They want personal information such as SS # and birthdays, etc. to add someone to the account in order to close it ...
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit card # XXXX Opened at XXXX XXXX  ON XX/XX/XXXX, Credit account # XXXX opened at XXXX XXXX XXXXXXXX XX/XX/XXXX, Auto lease account # XXXX opened at XXXX XXXX on XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I did a transfer to XXXX XXXX XXXX from chime. My transfer was declined which I didnt realize I didnt transfer money from my chimes Savings account to my chimes checking account in order for the money to transfer to my XXXX  XXXX account. I did another transfer to XXXX  XXXX correctly. {$1000.00} was transferred to my XXXX  XXXX account and deposited. Chime reversed the transfer from XXXX  XXXX to come back to chime. XXXX sent me a email and I also have my statement. Yet chime is blaming the merchant and saying they never sent the money back to chime which is a lie. Chime has giving me too many stories about my money. Chime owes me {$1000.00} and dont want to give me my money.
Product: Debt collection

I acknowledge the validity of the debt. 

The company calls me multiple times every day. Some days it is in XXXX hour to XXXX minute intervals. 

The number they are calling from closely resembles XXXX XXXX I have also received several text messages. 

The calls are more than XXXX in a 7 day period. 


I answered a call today XX/XX/2023 to find out it is Card services for my XXXX PLATNUM MASTER CARD Ending in XXXX. 

They claim last contact was beginning XX/XX/2023, but phone record from this past weekend ( XXXX ) show otherwise I requested a settlement option before filing a complaint or taking them to court for violation of debt collection law. 

My settlement option was to keep the account active, open, and wipe the full balance due which is less than the minimum {$1000.00} I can sue them for ( plus court costs ). 

They tried to change it to a payment settlement where I PAY. 

Asked for a supervisor, was told they were busy and said I would wait on hold. The call terminated without speaking to a supervisor. 

I am attaching missed call and call log record screenshots as evidence. 


Called back and had to wait from first to XXXX caller Explained to agent and requested a supervisor.
Product: Prepaid card

Issue with Card Numbers : XXXXI purchased a US Bank Visa Variable Gift cards for {$500.00} at XXXX ( XXXX XXXX XXXX XXXX , XXXX XXXX , CA ) on XXXX/XXXX/2015 and XXXX/XXXX/2015. 

The {$500.00} gift card I purchased on XXXX/XXXX/2015 which was fraudulently used for {$490.00} at a XXXX XXXX in XXXX XXXX on XXXX/XXXX/2015. My funds are held for over XXXX months now. 

I tried to use the one I purchased on XXXX/XXXX/2015 on same day due to my previous card being drained by fraudsters before I used it, but it was declined saying that it was not activated. I faxed in required information for activating it. Later, when I tried to use the gift card at a XXXX in XXXX XXXX, CA on XXXX/XXXX/2015, the purchase was declined. When I checked online I found that it was fraudulently used for a purchase of {$490.00} at XXXX in XXXX, CA on XXXX/XXXX/2015 while I still have the possession of my gift card. I did not even know it was activated and the funds were drained. 

I faxed all the necessary documents to US Bank. It seems like something is really wrong with these prepaid gift cards that makes it so easy for fraudulent transaction while we still have possession of the card. I would suggest everyone not to buy these US Bank Gift cards to avoid this hassle and being out of your funds for several months.
Product: Debt collection

online collection brought the bill from XXXX XXXX hospital in XXXX XXXX. so XXXX XXXX hospital already got paid for the bill and trying to get paid again. refuse to give a receipt until you pay each different bill of XXXX keeps putting the bill o XXXX on all XXXX credit reports but they are a collection company. they brought the bill. so XXXX got paid and trying to collect again. my insurance paid the bill
Product: Debt collection

Dutchess Adjustment Bureau sent me a letter on XXXX XXXX and indicdates that my account with XXXX is past due. I have Writtent to XXXX and ancelled my membership several times and emailed them at least XXXX to cancel and now these guys sent me a letter of collection of debt, however the letter says if I do n't believe I do n't owe money I have 30 days to communicate with them. And I did. But no one answers their Phones or calls you back. I called 4X and left several messages with my information and noted my account but no one ever contacts you. They are dragging this so it pasts 30 Days and so they claim would be valid. But there is no other website or email address to contact, only a number that no one answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries reflecting my TransUnion credit report ( XXXX Bank : Date:XX/XX/XXXX, XXXX XXXX XXXX : Date:XXXX, XXXX : XXXX, XXXX DBA XXXX : Date:XX/XX/XXXX, XXXX : DateXXXX, XX/XX/XXXX : Date:02/24/2021 and XX/XX/XXXX : Date:XXXX ) none of which I authorized or applied for. I contacted TransUnion via phone call XX/XX/2021 and I was told to send in certain documentation. Which I did, only to keep getting told it has not been received. Also during that phone call I informed them that I have previously been a victim of identity theft and credit was still trying to be use unauthorized. I filed a report with the FTC about these inquiries as I was advised by TransUnion but since then I had two more inquiries impact my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX 15 U.S.C. 1681 Section 602 A, states I h the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 years.

LIVE 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall nor furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the etc.
Product: Credit reporting or other personal consumer reports

Could you please provide detailed guidance and assistance on the process of removing late payments from my credit report? This issue is significantly impacting my credit score, and I would like to understand the steps I need to take to address and rectify these negative marks. Your help in navigating this process would be greatly appreciate
Product: Mortgage

Well, its been different companies sending different letters. We have not received any proof of anything that started pretty much in 2022. They continue to threaten us that theyre gon na foreclose. I will include all the documents I received. I also had a lawyer that wrote them back, they never responded.
Product: Credit card or prepaid card

On XX/XX/21 I filed a claim with chase bank about my missing item, specifically a XXXX, I had told them I tried to resolve the issue with the merchant XXXX however XXXX offered almost no help to me locate my missing package, I had told chase bank the situation and they let me open a claim, after weeks of waiting I get the results of the claim and it comes back DENIED. Chase believed the merchant more then me due to the fact the package said delivered which doesnt make any sense to me. Chase requests that I file a police report to help them investigate the case. I file a police report and send the full report to chase to help. About XXXX  days later they had told me the claim can not be open because this still doesnt help my case. How? I have a police report stating they couldnt find the package and dont know what happened to it, the police officer that was helping me create this report told me that often delivery drivers will scan items as delivered and take the items. I have had several items from my address get lost from various amounts of times so I do believe something like this happened. Chase told me ONCE AGAIN that they cant open the case again because the item shows is delivered which is really absurd to me, I say that the package hasnt come in and you cant help me at all? XXXX They had also told me I need more proof that the item is lost or I didnt get it when theres nothing else I can do. I tried to file a claim with XXXX who delivered my package and they wouldnt let me open a case, I called them endless times all with the same result sorry we cant help you with this Ive always loved chase until now, there customer service has always been at help to me but they have really XXXX me off this time. Its like they really dont care about me and they dont care about what Im going through right now. Chase has always proved to me they really trust and always want to help their people, but this proves they dont. Please dont use chase bank if you expect them to help you in the slightest. use any other bank then this. They wont take your feelings or thoughts or EVIDENCE into consideration. Complete XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # 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 work at XXXX where we are not allowed to receive personal calls. I was contacted by a employee of progressive financial services while at work. I explained that I was not allowed to take the call at work and quickly hung up to avoid getting fired. I was called again at work the very next day by the same employee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # 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.

To many credit inquires from unknown sources.
Product: Credit card or prepaid card

I refinanced my property to pay my credit cards. On XX/XX/2022 a check was mailed by the title company to XXXX XXXX credit card in the amount of {$790.00}. The check was cashed but never applied to my account and I was told that they were in the process of transitioning over to a new bank and that the new bank XXXX was the one that received my payment however my account stayed with the old bank Synchrony and they never received the payment. I have called Synchrony for their help and they told me that I need to call XXXX. XXXX will not talk to me because they do not have me in their system. Synchrony has asked that the title company dispute the check but the title company told me that they are not able to do so because the check was cashed. I feel very frustrated because I want to get this money applied to my account but it seems that no one will help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a pre-approved auto loan from Capital One Auto Finance in mid-XX/XX/XXXX to be used only with XXXX XXXX. I contacted XXXX XXXX and selected a vehicle I was interested in. They proceeded to solicit financing without my consent from 9 financial institutions. All 9 made hard inquiries on my credit reports on XX/XX/XXXX.
Product: Credit card

complaint against Care Credit / Sychrony.com charges on XX/XX/XXXX {$820.00} dental care first payment due XX/XX/XXXX payment of {$40.00} on XX/XX/XXXX online, and as of XX/XX/XXXX payment was not posted. So i made another payment on XX/XX/XXXX in amount of $ XXXX of these amounted were posted and subtracted from amount due then also on XX/XX/XXXX my {$50.00} paymnet was reversed but not returned to my bank account., XX/XX/XXXX {$30.00} late payment fee, applied to care credit account. XXXX  XXXX pyment made and credited to account, XX/XX/XXXX XXXX charged to account. XX/XX/XXXX {$40.00} payment made, XX/XX/XXXX XXXX {$0.00} paymnet reversed, XX/XX/XXXX charged {$30.00} late fee. XX/XX/XXXX {$100.00} pymt made,, XX/XX/XXXX {$100.00} pymnet reversed, XX/XX/XXXX charged {$30.00} laste fee. XX/XX/XXXX interest applied to account. this account is not suppose to be charged interest if you pay in full within 6 months.I wass charged interest. after this i checked blogs and i am not the only one these crooks jhave done this too. they are thieves. when i icontacted them they said they couldnt find my account. yet i have the activities posted on their app for my account. this is total XXXX that the consmuer has not recourse against companies taking advantage of the american consumer.
Product: Mortgage

I submitted a complete modification package to Wells Fargo with a declaration from the contributor on XX/XX/2018. I had to file a complaint with the CFPB to have my BK authorization to speak directly with Wells Fargo acknowledged, then I had to file another complaint just to find out what was missing from my file. Now I am being asked to resubmit a new application for modification all because of the delays caused by Wells Fargo in ignoring and holding my documents while refusing to speak with me. Now I am being asked for another copy of my tax returns and another copy of my application ( which I provided again even if it was already submitted and a full application from the contributor - when they are just that - " a contributor ''. Please see attached modification application that was already submitted, including tax returns held and delayed by wells fargo since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recurring dispute of medical collection item, XXXX XXXX on behalf of XXXX XXXX. In XX/XX/2023, I mailed a request for verification of debt. Neither company responded. As a result, I submitted a CFPB complaint in XX/XX/2023 which the company has yet to provide verification. The problem arises, because I have also disputed this bogus account with all ( 3 ) credit reporting agencies, and somehow the credit reporting agencies and XXXX are validating the debt. I don't understand how the debt is being validated when it is approaching ( 4 ) months of no response to my validation request. This is a blatant violation of consumer rights. Equifax, XXXX, and XXXX- should not be accepting validation of this debt. I want this account removed. I have attached a timeline record.
Product: Debt collection

This letter serves as a formal notice to cease and desist all collection activities related to any alleged debt associated with my account. I am asserting my right under the Fair Debt Collection Practice ) FDCA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law. 

Case law has affirmed my right to request the cessation of debt collection communications. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court ruled that a consumers request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law. 

Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reinforces the consumers right to privacy and the obligation of debt collectors to honor request for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and violation of the FDCPA. 

Thank you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 )