23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

As previously reported, XXXX ( also known as an affiliate company XXXX ) charged my debit card for services that I didnt approve or authorized. 

These charges were fraudulent hotel reservations. This company has violated and compromised my financial and personal records. In addition to the emotional, time consuming and debilitating of having to contact so many agencies to ensure that damage controls happens. 

Im tired of disputing fraudulent charges that arise from mishandling of my information. More government protections should be available. Also penalties to ensure this doesnt happen to anyone else.
Product: Credit card or prepaid card

US Bank credit card fraudulent card applied for in my name on XX/XX/2022 by former XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XXXX/XXXX/XXXX Company : XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX BELOW are the Company AND Account numbers for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Company : XXXX Account XXXX : XXXX Company : XXXX XXXX XXXX Account # : XXXX Company : XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

I have tried to dispute an account XXXX multiple times with TransUnion and XXXX. I have stated to th

em that the information is incorrect. Its stating on my credit that I have 4 missed payments with that company. I called the company and they admitted that information is incorrect and I have documentation to prove that I paid all the payments on time. They said they fixed it in their end but its still the same after months and its affecting my score. I can upload files showing payments if necessary. I want the accounts removed, thanks.

Account again is XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my phone and tablet were stolen. After the theft, the individual who stole my devices accessed my PayPal account and purchased cryptocurrency without my authorization or knowledge. 
I initially filed a claim with PayPal on XX/XX/year>, but it was denied the same day. When asked why they denied my claim their response was that my police report wasnt enough information for them to really know that these charges were unauthorized. After this denial, I called PayPal XXXX more times to follow up. The first time i was passed around only to be disconnected from the call right before closing. On the second attempt, the representatives informed me that their superior would call me and advised me to hold onto my additional documents, including my XXXX information, and XXXX XXXX XXXXXXXX detail, until I was contacted. Despite these promises, I never received a call, and my case was not escalated as they claimed. 

On XX/XX/year>, I called PayPal again to check the status of my claim and was informed that it had been closed without any escalation or further action. I reopened the case that same day, and while doing so, I was advised by the PayPal representative to submit new documentation such as the ones i had been waiting to file for almost XXXX weeks. I began gathering my documentation, but within just XXXX hours, PayPal closed the claim again, before I had the chance to submit anything. 

The premature closure of my claim, despite the advice from PayPal to file additional evidence, has left me without a fair opportunity to prove that these transactions were unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a debt validation letter more than 120 days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}
Product: Credit reporting or other personal consumer reports

I paid the balance in full and they are still reporting a balance on this account
Product: Credit card

I never applied for any XXXX XXXXXXXX XXXX credit card I see I have one closed account on my credit report with XXXX XXXX XXXX  this is a fraudulent account I want it to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I noticed a hard inquiry from credco ( finance ) on my credit reports. I contacted them and they said they will look into it. few months passed by and i didnt hear anything from this company. after doing a research on this company i found out ( on XXXX XXXX ) that this company have been running people credit without their consent. I contacted them again on XX/XX/XXXX. and they are still not willing to fix it. i see a hard inquiry on my credit report. I am a victim on identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX ( Bank ) Date : XX/XX/23 Action : When contacting XXXX and Experian to remove inquiry they advised me to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

My Experian report has inaccurate items and I have already notified Experian several times of these inaccuracies. All these charged-off accounts are reporting past due balances but a charged-off account is a closed account and can not report a past due balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX 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
Product: Mortgage

Since XX/XX/XXXX, I have been trying to work out a loss mitigation option with my mortgage bank and it has been really difficult. They do not have a loss mitigation office in Puerto Rico, where I lived and always sent the documents late, through XXXX. 
As an example of this problem, I am submitting evidence of two letters. The first one is a letter of Informal Forebearance Agreement dated XX/XX/XXXXsent to me by XXXX on XX/XX/XXXX., as a consecuence of recieveing it late I was not able to act on it in a timely manner. 
The sencond letter, is a Decline letter dated XX/XX/XXXX, in which it informed me, that I had until XX/XX/XXXX, to appeal, but I received the letter via XXXX on XX/XX/XXXX. 
This has been the usual pattern of the mortgage bank, sending the documents late and not giving me enough time to act on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Receivable Management Services is attempting to collect a debt that is 1 ) Possible identity theft and 2 ) Possibly past the statue of limitations for collection. 
XXXX also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency. 
I am now demanding proof proving this debt belongs to me, including proof of my identifying information that connects this debt to me. 
I am also demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS LISTE ON THE FTC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Settle FTC Charges that XXXX XXXX XXXX XXXX XXXX Ad Was Deceptive The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges. ... The law applies to revolving charge accounts and open-end credit accounts, such as credit cards. 

As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses  FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

American First Finance I purchased a refrigerator with the option of no interest if paid in 100 days. The amount was {$1000.00} with {$50.00} down payment, leaving {$950.00} to be payed. I paid the loan off before the 1st payment was due. I was charged an early payoff fee {$44.00} or it was called a finance fee. 
My question is this legal? 

During my phone calls to XXXX the American First Finance co charged {$0.00} to my XXXX bank credit Card
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX # XXXX, 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 and XXXX XXXX XXXXXXXX # 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

Hello XXXX, I was a customer of XXXX for numbers XXXX and XXXX from XXXX till XXXX and I moved cellular providers to XXXX XXXX on XX/XX/XXXX for which I have an email from both XXXX confirming my new XXXX and an email from XXXX confirming that my plan was cancelled. 

XXXX repeatedly charged me from XXXX to XXXX for an amount of {$600.00} when i was not using their services. I have had multiple phone calls with XXXX and a case logged where they told me the issue would be resolved. 

The next thing i received is a collection bill from XXXX which is now reported to a collection agency and has already hit my credit report as a delinquency. I am in the process of buying a house and this is now impacting my ability to be a homeowner. 

I am attaching as evidence an email from XXXX dated XXXX XX/XX/XXXX that shows in the body of the email in Bold letters : XXXX Confirmation : Plan Cancelled
Product: Checking or savings account

I want a refund for an {$4.00} fee another bank charged me and Keys outside atm fee, which incurred using another banks ATM. 

The drive through ATM was cash withdrawal disabled.

Keys teller them refused to disperse my finds through fun the window, or let me withdraw money within Keys limits. 

Is Key running out of money? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX telephone : XXXX Date : XX/XX/23 Time : XXXX EST
Product: Checking or savings account

I went to XXXX XXXX today to close my account after paying off the large fraudulent negative balance. I figured that when I asked them to fix the account and when the account manager picked up the phone he didn't really call who I intended for him to call. They are acting like they are contacting the right personnel when in fact they don't inform you of what they really do, instead they tell you they cant fix the problem but then go fix it and collect the fees once you either attempt to close the account of while your not looking or noticing. this is how they are running their scan not and they do it on new people in town, college students, with loans, and single females without children. I went to close the account today and they refused to provide me with proof. All I got was a screenshot faking like it would be closed. I will attach it below. I just want my money back. I haven't received my paycheck or this fraudulent amount they shifted around during account servicing. They reshuffle serving dates and times and creatively steal peoples money. I suffered personally because of what they did to me and they deserve to be caught. Banks don't respect war vets and believe that they get free money when in fact we pay for things ahead of time, everything. But because the public doesn't know this because of the way contracts are worded they never learn the truth. So they think we get free money when we actually did a lot of servitude ( slavery ). bank employees steal from us because they don't know the truth. I have never had a non federal bank account where they did not honestly try to ruin my life. I pray to XXXX you help all service members going through this. y life has been in ruins because of random bank employees since I left military service.
Product: Debt collection

The company Radius Global Solutions has been calling me for years asking to speak to someone I do not, nor have ever known. I called them a few times and advised them I am not who they are looking for and am always told they will remove my number from their list. That never happens. I have their number blocked but they still call everyday. Today they sent me a text. I have never agreed to receive text messages from the company and believe it's in violation of the TCPA. 
Please see attached screenshots showing the call history and the text message I received. 
.
Product: Credit reporting or other personal consumer reports

I noticed these inquiries and my credit Report. I did not authorize these companies to run my credit. They are fraudulent. 

Company : Date of inquiry : SYNCB/LOWES XX/XX/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  SYNCB/SAM 'S 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: Debt collection

This company only made one attempt to notify me about this debt over the phone about 2 months ago. I have yet to receive anything in writing from either them or the primary company that was handling this account which is an apartment complex I moved from last year due to poor/ lack of management. The apartment complex never sent me a final move out statement even after I made multiple attempts to get that information. I even went down in person twice and spoke to a manager who has yet to return my call.
Product: Debt collection

Capital accounts reported negative information on my credit report, despite the fact that I have never had any business with them, and they have failed to provide a copy of a contract signed by me or a judgment against me to validate this alleged debt.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; I am writing to file a formal complaint regarding an inaccurate bankruptcy entry on my credit report. Despite having disputed this issue directly with the credit reporting agencies ( XXXX, XXXX, and TransUnion ), the incorrect bankruptcy information continues to appear on my credit report, which is adversely affecting my credit score and financial well-being. I have disputed the inaccurate bankruptcy entry with the credit report ( see attached letters ) doing nothing. 
I am requesting the CFPBs assistance in ensuring that the credit bureaus investigate and correct this inaccurate information in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, I would like the bankruptcy entry to be accurately reflected or removed from my credit report if it is found to be in error. 

I have attached copies of my credit reports from the credit bureaus showing the inaccurate bankruptcy information, as well as relevant correspondence with the credit bureaus regarding this dispute. 

Please let me know if further documentation is required to assist in resolving this issue. I look forward to your prompt attention to this matter. 

Thank you for your time and assistance. 

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

account balance amount is incorrect and this account was : 1 ) included in XXXX 2 ) Last date of payment is incorrect. The last date of payment was in 2015.

3 ) Account with balance owed is incorrect - Charge off amount showing $ 15K more than purchased amount 4 ) Past the Fair Reporting Act - seven years reporting limitations re