23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Email sent to XXXX on XX/XX/23 in which I called Multiple times and also received no email or follow up about the dispute : I am writing to dispute the amount of {$2200.00}. On XX/XX/XXXX, I received a return label for two iPhones, in which I packaged and sent back to XXXX immediately. I then proceeded to go to the XXXX XXXX location where I showed my ID as asked the manager to discontinue services on all the lines connected to my account. The manager then encouraged me to call customer service where I was advised to tell them the same information. XXXX has since still been charging monthly services for phones that I do not have. XXXX XXXX confirmed that they have received all of the phones that I returned. Therefore this amount should be disputed due XXXX  charging for services that I do not have. They also will not allow me to have access to the portal to confirm that my information has stopped being charged. They have previously tried to take money from my XXXX XXXX XXXX where XXXX XXXX  had to make the charge as fraud and deny XXXX of taking money from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to all three credit bureaus to verify that every item on my credit report was verified by a signed contract and I requested that XXXX  Transunion and XXXX submit proof that they have a signed contract on file with my signature on it to verify that these debts were mine. They told me over the phone numerous times that they dont have a signed contract on file which by law they are required to and they are required by law to furnish a copy of the signed contract for any debt on my credit report upon request I have done this 4 times and they have just disputed information and have removed the wrong items from my credit report which were reporting positively and have caused me to get sued because they arent following directions in my letter.
Product: Credit card

I applied for a Sams Club Reward Credit Card Reward, and I was sent a regular credit card with no rewards.
Product: Credit reporting or other personal consumer reports

This is in reference to a bankruptcy that is reported on my credit report. 

XX/XX/23 - Sent letter advising that this account is not accurate, and to please remove from my report. Never received a response. 

XX/XX/23 - Sent a second letter letting them know that this is still showing negatively and inaccurately on my report and requesting for it to be removed. Still no response. 

XX/XX/23 - Sent a third letter advising that this is still on my report in a negative status, that I have never received any response and once again requesting this be removed from my report. Again, no response. 

XX/XX/23 - Sent letter requesting method of verification and if not able to provide this, to remove from my report immediately. Again, no response. 

XX/XX/23 - Sent letter of formal complaint that they are reporting inaccurate and unverifiable information on my report. I was demanding to see their verifiable proof and that if they couldn't provide this - to remove the account immediately from my report. - Once again, no response. 

XX/XX/23 - Sent last letter advising of the numerous times I have requested this account to be verified including the method of verification and the person with whom they verified it with - or to be removed. I let them know that if this was not done, I would be filing an official complaint with the CFPB - and that is what I am doing today.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a late payment on my credit report, as indicated in your recent communication. Upon reviewing my credit report, I was alarmed to discover an entry suggesting that I made a late payment to XXXX XXXX XXXX XXXX in XX/XX/2021. It is crucial to highlight that the account number varies across my credit reports, constituting a violation of the Fair Credit Reporting Act ( FCRA ). 

I assert unequivocally that I have consistently maintained timely payments on all my accounts, including the aforementioned one. There has been no instance of late payment on this account, and I possess evidence, such as bank statements and payment records, to substantiate this claim. 

The presence of this erroneous late payment entry poses a significant threat to my creditworthiness and financial stability. Hence, immediate investigation and resolution of this issue are imperative to uphold the accuracy and integrity of my credit report, in strict adherence to the Fair Credit Reporting Act. 

Consequently, I demand a thorough review of the information concerning XXXX XXXX XXXX XXXX and prompt rectification of any inaccuracies, specifically the removal of the erroneous late payment entry. Failure to address this matter within 10 days may compel me to pursue legal remedies to redress this violation of my rights under the Fair Credit Reporting Act. 

Your prompt attention to this matter is appreciated. I anticipate a timely resolution and written confirmation of the corrective actions taken.
Product: Debt collection

I have already filed a police report for someone using my ID to open up fraudulent accounts and putting things in my name. Please see the FTC ID theft report. Please delete this fraudulent account at once. I also had a fraud account from Portfolio Recovery Assoc for an account XXXX for the amount of XXXX. I have never had or done any business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, XXXX XXXX Experian received a via certified mail, a notice that an alleged creditor XXXX XXXX XXXX did not respond to a lawful " VALIDATION OF DEBT REQUEST '' ( copy of notice & proof of service attached ). I originally sent XXXX XXXX XXXX the " VALIDATION OF DEBT REQUEST '' and it was received on XX/XX/2021 ( original letter & proof of service attached ). I have gone through the proper channels & process to address the alleged debt & both the bureaus & the creditors have violated my rights per FCRA & FDCPA respectively.
Product: Money transfer, virtual currency, or money service

I was ordering an item off XXXX about a few years ago and I accidentally wired the money ( ~ {$450.00} ) to wrong account and Bank of America said they couldnt do anything in my case but there were no warnings and such as there are today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked multiple times through mailing correspondence as well as over the phone, for the consumer reporting agencies to update my personal information as they are reporting inaccurate information on my consumer report which is in a violation of FCRA.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/scrub>XX/XX/XXXXThis CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) 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 of a collections account opened at XXXX XXXX XXXX on XXXX XXXX with a balance of {$1700.00}. These 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 XXXX  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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

My copy of the signed lease agreement shows a monthly payment of {$480.00} however the amount reflected on the electronic signed filed copy by Nissan Finance is {$520.00}. Currently Im being charged late fees and Nissan Finance is declaring my account with late payment history which Ive been paying on time. I personally sued the dealership for punitive damages but they have failed to update my account to reflect the correct monthly payment.
Product: Debt collection

OnXX/XX/XXXX I received a letter from XXXX XXXX saying I owe XXXX XXXX XXXX. I informed them that I do not owe this and that the account does n't belong to me. The rep yelled at me saying that it does and I needed to pay and used foul language. The debt was posted to my credit and I disputed it woth the credit bureaus and XXXX XXXX and it was removed.Now i have received another letter today XX/XX/XXXX dated XX/XX/XXXX from a different company XXXX XXXX which is a completly different cpmpany saying I pwe this debt of XXXX. I informed them it was disputed before and removed but theu say i owe please help me with this.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX and Transunion LLC for their failure to delete two fraudulent accounts from my TransUnion credit report, despite XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. This matter has caused significant distress and harm to my financial standing and reputation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX, I submitted a dispute to TransUnion regarding an erroneous account that appeared on my credit report. This account was fraudulent and should not have been associated with my credit history. On XX/XX/XXXX and XX/XX/XXXX I responded to XXXX XXXX XXXX XXXX XXXX XXXX and my exact words were This account is not mines I never done business with your company or if I did please send me documents where I gave your company any consent to do business with me, if this information can not be provided please cease and desist. Best regards, XXXX XXXX XXXX. But they keep on sending letters without validating any debt they say I allegedly owe them. They keep harassing and abusing me through 3rd parties like the these credit agencies. However, TransUnion responded to my dispute by verifying the accuracy of the information and refusing to remove it from my credit report. It is my understanding that before reporting any information to a consumers credit report, credit agencies such as TransUnion are required to obtain written consent from the consumer. In this case, it appears that TransUnion failed to adequately investigate the disputed information before reporting it as accurate. This failure to investigate properly has resulted in TransUnion damaging my character, causing undue stress, and putting a strain on my life and reputation. By allowing inaccurate and misleading information to remain on my credit report, TransUnion is impeding my ability to secure credit and financial opportunities. I believe that TransUnions actions in this matter constitute a violation of consumer protection laws and regulations, including the Fair Credit Reporting Act ( FCRA ). I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that TransUnion and XXXX XXXX XXXX XXXX XXXX complies with its legal obligations. Furthermore, I request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX accountable for its failure to delete the unverifiable account from my TransUnion credit report, despite having done so with XXXX and XXXX. Their inconsistent actions have caused confusion and further harm to my financial standing. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and protect consumers like myself from unfair and deceptive practices by credit agencies and debt collectors. THANK YOU!
Product: Credit card

My credit cards expiration date was XX/XX/XXXX. 

On XX/XX/XXXX, I tried to request a replacement card on the app as I was surprised I hadnt received one with an updated expiration date. The app said it couldnt process the request because it had already been made. 

On XX/XX/XXXX, I called because I had not received a replacement card in the mail. I was told there was no information in the system and sometimes cards are late in being sent out. I was told to wait a few days to see if it arrives in the mail. 

On XX/XX/XXXX, I called again as I still hadnt received a new card. At that time, I was told there was a note saying the account was being closed but no reason was listed and I should be getting a letter in the mail via a third party. 

On XXXX, I called again and was told there was still no further information and that someone would call or email me. 

Its XX/XX/XXXX and there is still no resolution to this matter. My credit is in excellent standing and I havent missed any payments in the years Ive had this account.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX / XXXX XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX  XXXX XXXX Balanced {$0.00}
Product: Debt collection

I sent in a dispute to the credit bureaus about this debt collection companies reporting inaccurate information on my credit report and asked for verification. The company then sent me information about trying to collect a debt from me but they didn't provide the proper validation to prove that i owe a debt to the company Even though they provide me a statement according to law that 15 usc 1692 g that still doesn't suffice that the debt was mine only an assumption also they are in violation of 15 Usc 1692g because they never sent this information within 5 days of initial communication. Also they are in violation 15 usc 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collectors are also violating 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. The debt Collection Company by reporting this inaccurate information to the credit bureaus. It effected my reputation when trying to get approved for the essential things of life a home and a car. Their actions has ruined my reputation and caused me to be looked as inadequate to other financial institutes.
Product: Debt collection

This started XXXX for {$900.00} and is the leftover portion of an emergency medical bill with XXXX XXXX XXXX, XXXX, OK. I immediately started paying $ XXXX/month and increased it to {$54.00} recently to comply with minimum payment requirements. I have NEVER missed a monthly payment and the debt is down to {$480.00} now. No reason for it to ever be turned over to Nationwide Recovery but it was anyway. After I had made payment arrangements they called again to say that I needed to make FUTURE payment arrangements ( auto debit etc. ) or they would continue to call me. Since when is future payments promises a part of it that was not mentioned in the payment arrangements at all. Again, I have paid every month, not one has been missed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : EXPERIAN 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry that is fraudulent somebody else did it. I didnt do it its not mine. The inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The phone number is XXXX. Just wont report it in XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I cosigned a XXXX auto lease with XXXX as a favor for a friend in XX/XX/XXXX. The vehicle was never in my possession, but I personally made sure all the scheduled payments were made on time even after I left the XXXX in XX/XX/XXXX. There was an accident when I was overseas, and I am told that this resulted in a dispute with a local dealer when the car was surrendered to the XXXX dealer at the end of the lease regarding repairs that were done by an unaffiliated garage. 
When I got turned down for a credit card due to negative information on my credit report. I got copies of my three reports and learned of the problem. The reports each contained conflicting information pertaining to the same lease. I have independently asked each of the credit bureaus to verify the information, and each of the credit bureaus have since informed me that they contacted XXXX and informed me of changes they have made updating their information on the lease. Several gross inaccuracies have been removed in the process, but the reports still contain reported late payments that are in conflict with one another for several months in XXXX. This was a period after the XXXX lease should have expired in XX/XX/XXXX. 
As a XXXX party to the dispute, I still do not really know what occurred since my now ex-friend and I do not communicate due to this matter. However, federal law requires that the information contained on my credit reports to be accurate and at least two of the three reports would have to be inaccurate since the three do not agree on the payment history.
Product: Money transfer, virtual currency, or money service

Yes I have a account with cash app it has been several different times money has came up missing out my account and transactions that I didnt to but cash app had no customer service I can speak with and Im funds was never reimbursed.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Experian for their failure to properly investigate disputes regarding inaccuracies on my credit report. Despite my numerous submissions, Experian consistently responds within 24 hours asserting that the account is accurate, but they fail to provide any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), as indicated in 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This issue has been highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. 

These are the accounts that I marked as inaccurate. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Adjust XXXX Credit Control Service XXXX I urge the CFPB to take action to ensure that Experian complies with federal law and provides consumers with the necessary proof of their investigations. It is vital for consumer protection and the integrity of our financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a current victim of identity theft, Transunion, XXXX, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX XXXX XXXX  ( {$7800.00} ), XXXX XXXX ( {$5900.00} ), XXXX XXXX ( {$6100.00} ), XXXX XXXX ( {$6300.00} ), XXXX XXXX XXXX ( {$3200.00} ), XXXX XXXX XXXX ( {$7400.00} ), XXXX XXXX ( {$1400.00} ), XXXX XXXX XXXX ( {$570.00} ). FTC has been filed in XXXX of 2021 they did not comply within the 5-7 business days according to federal law.
Product: Mortgage

I submitted forms to conduct a short-sale on my condo in 2010. For over a year, I submitted the required paperwork to Flagstar on a monthly basis. I was told that the entire process would take a year but that I needed to find a buyer. I found a few buyers and submitted the necessary paperwork each month. I get to the end of the process and was told that I one document was missing in my file and that I would have to start the year process again. My house went into foreclosure and has negatively affected my credit in my re-attempt to purchase another home. The original request for a short sale came from my husband 's job relocating us to another state but Flagstar gave us the run around.