23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear CFPB Representative, I am writing to formally lodge a complaint regarding a collection account reported on my credit file, which I have no knowledge of and am unaware of its validity. I believe this account has been reported inaccurately, and I would like your assistance in resolving this matter.

Specifically, I am raising the following concerns : 1. Lack of Knowledge : I have no prior knowledge of this alleged debt, nor have I ever entered into an agreement related to this account.

2. No Opportunity to Dispute : I was not provided with an opportunity to dispute this debt as required under the Fair Debt Collection Practices Act ( FDCPA ).

3. Failure of Proper Notification : I did not receive any proper notification regarding this debt. If the reporting agency or collector believes I was notified, I request evidence in the form of a certified mail receipt with my signature confirming receipt. 

If the reporting agency or collector can not provide this information, I demand the immediate removal of this account from my credit report. Should this issue remain unresolved, I will pursue legal action for damages resulting from this inaccurate reporting and violation of my rights under the FDCPA and Fair Credit Reporting Act ( FCRA ). 

I trust the CFPB will take this matter seriously and conduct a thorough investigation to ensure compliance with federal laws. I look forward to your prompt response and resolution of this issue. 

Thank you for your attention to this matter. 


PORTFOLIO RC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 -- Balance Owed : {$380.00} {$380.00} -- Closed Date : -- -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Other Collection Agencies Other Collection Agencies -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
-- Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX- Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : -- -- -- PORTFOLIO XXXX XXXX XXXX Account # : -- -- XXXX High Balance : -- -- {$380.00} Last Verified : -- -- -- Date of Last Activity : -- -- XX/XX/XXXX Date Reported : -- -- XX/XX/XXXX Date Opened : -- -- XX/XX/XXXX Balance Owed : -- -- {$380.00} Closed Date : -- -- -- Account Rating : -- -- Derogatory Account Description : -- -- Individual Dispute Status : -- -- Account disputed Creditor Type : -- -- Factoring Companies Account Status : -- -- Open Payment Status : -- -- Late 120 Days Creditor Remarks : -- -- Consumer disputes after resolution Collection account Payment Amount : -- -- {$0.00} Last Payment : -- -- XX/XX/XXXX Term Length : -- -- -- Past Due Amount : -- -- {$380.00} Account Type : -- -- Collection Payment Frequency : -- -- -- Credit Limit : -- -- -
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 : 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I am formally disputing inaccurate information on my credit report in accordance with 15 U.S.C. 1681i. I did not authorize the reporting or release of my personal information to the companys listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 

Furthermore there are unauthorized inquiries on my credit report that I did not initiate. Which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8. I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entries. 

Furthermore, there are inquires on my credit report that I did not initiate, which constitutes a case of identity theft. I do not owe and debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.
Product: Credit card or prepaid card

I'm beginning to realize the CFPB is of no real help. 
Capital One continues to lie to you, and you accept it and close the complaint down. 
This time they actually added stuff about some sort of veterans information needed and my active duty status. 
I was in the XXXX XXXX, two years XXXX and 4 years inactive, back in the early 1970 's. 
I have perfect credit. They are just descriminating against me because of my age. 
because I can't figure out any legitmate reason for their actions. 
I found out that XXXX XXXX XXXX has the same product. I went to the local branch and they approved me 10 minutes. 
This has dragged out for months now. It's a shame how Capital One is making you look pretty foolish. 
You asked if I was a veteran. All of a sudden they put in on my credit application as if I wanted it to be considered. I never wanted it to be considered.
Product: Credit reporting

Everything company never veryfy my signature compare, i explicated more and XXXX more this situation in me personal credit report but, company no look nothing, i cases account closed more 10 years laters ,XXXX diferent accont example telefone and me person sent evidence includibg my termine divorces and nothing and help removed ever cased closed when me person dispute XXXX years dispute ,XXXX years removed error inquirys, pleses help, i sent XXXX divorce, letters, id, dirrection, ss id, id fse XXXX, letters tamps helpme, i narred true i notify ever company but nothing, a my favor in my person tallk the true i need bying home but my credit affect in discrimunedded based law. Never power bying home
Product: Credit card

My wallet and phone including credit card and passwords was stolen from my car in XXXX 2015 when discovered the next morning I called Barclays Bank and reported the card stolen and reported XXXX fraudulent ATM charges in the amount of XXXX that occurred. The charges were removed while the company investigated the charges. A full 3 months pass and I log into my account and see the charges have been re-added to my account with no explanation from the card company. I called again and again reported that those charges were not mine. That was roughly a month ago and since then no action has been taken to correct the situation and remove these charges from my account.
Product: Credit card or prepaid card

I have a Charge account from a previous employer currently being reported as " Charged off as bad debt Profit and loss write-off. 
As of XX/XX/XXXX the balance on the account is {$420.00}. I do not have any record of owing this amount because I did not have an outstanding balance. My credit report also indicates that I have paid 100 % of the original balance and the highest balance is at {$0.00}. 
The card was opened on XX/XX/XXXX and had a {$0.00} limit on it, meaning I would have to add money to it before it can be utilized for purchases ( like a pre-paid or debit card ). Once used, the remaining positive balance on the card was sent to me in the form of a check ( I have attached a copy of the last 2 checks i received. ) The only purposes the card served was to receive the employee discount and I never received a credit line from the bank. 
I have being trying for a few years now to get it removed and I have been unsuccessful. The bank will not remove the item from my credit report, I called the number listed on the report and they do not have any history of the account.
Product: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$1100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX - XXXX {$840.00} XXXX - XXXX {$840.00} XXXX, XXXX & XXXX - XXXX {$2500.00} XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX - XXXX {$980.00}
Product: Debt collection

My name is XXXX, XXXX filing a complaint to XXXX XXXX : ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX transworld system : ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX, XXXX  XXXX I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credits. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit History
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}, {$340.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNTS -- 1. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account.
Product: Debt collection

GC Services first called me on XXXX XXXX, 2017. During that call they noted that they were calling in regards to someone who resides in a state that I have never lived in. I told them the address was not correct, and at that point they asked for the last 4-digits of of my social security number. I refused to give such a personal number, as their address information was incorrect. At that point I requested that they not contact me again, and was told that they would not call again. 

On XXXX XXXX, 2017 they called again, and gave the incorrect address. I told them the address was incorrect, and again refused to give my social security number. Both calls were made by an unknown number, but using the name GC Services I found a number to call using google. I reached out to GC Services and requested that they not call again. The person I spoke with noted that I would need to request this in writing, which I am fairly certain is not correct. Since I have requested this on two separate occasions I am hoping to not be called again. However, in case the calls continue I wanted to document the second call utilizing this CFPB complaint portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX FL XXXX, is the only address deliverable to me by mail. All others addresses are incorrect. please remove all other addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have request That Transunion do a full investigation on inaccurate information being reported .Since XX/XX/XXXX, Ive sent them letters requesting that all information being reported should be the Same all across the board, example XXXX XXXX XXXX, & Transunion XXXX I have called Transunion and still no help. Information such as my name, date of birth, & also accurate Address, is being wrongfully reported. Per consumer fair credit report law 15 U.S. Code 1681 ( a ) & ( b ), Im asking that Transunion please be fair. I have. 2 Hard inquires on both my XXXX and XXXX, where is Transunion getting such information? {$140000.00}, is my XXXX XXXX XXXX total debt, Transunion is {$140000.00} way higher. Where is this amount coming from? Transunion also has inaccurate payment on my accounts reported. Im asking that I get some sort of reply from them besides they cant not block any information .Im not requesting any information to be blocked but rather report accurate
Product: Checking or savings account

XX/XX/2023 I received a letter stating that all my personal accounts, business accounts, and credit cards with US Bank stating they are cancelling all the above accounts. When I asked then why they stated they are able to close these accounts without giving a reason. I feel like this was targeted because I am a XXXX American Male and I own a ATM machines and they closed my account because they believe for whatever reason I was engaging in money laundering activity or some type of illegal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/XXXX was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my 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
Product: Debt collection

XXXX XXXX XXXX is attempting to collect a debt from me ( XXXX XXXX XXXX ), for Check into Cash INC . I have no knowledge of a recent Payday Loan with Check into Cash INC . I am requesting that Check into Cash INC send me their DOCUMENTED COMPANY proof/verification of when I OPENED this account, and the DATE the account FIRST became DELINQUENT.
Product: Checking or savings account

My father passed away XX/XX/XXXX of 2023. Acting as my moms power of attorney. I tried to transfer all my fathers accounts into my mothers name as she was the beneficiary. Merrill and Bank of America have continuously drag their feet on assisting me to transfer these funds to my mother. Furthermore, they have omitted Crucial documents that need to be signed. I have dealt with several notaries trying to resolve their ongoing requests. They appear to be dragging their feet so I do not transfer my moms IRA to a different banking institution. They are rude and I feel they have done my mother and my father a great disservice. They continually sit on documents and delay my withdrawal of funds.
Product: Checking or savings account

My account was closed do to suspected fraudulent activity, when opening the account there was a {$400.00} incentive if I met certain criteria. I met all the criteria before the account was closed and the bank would not honor the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is violating The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which is a U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I have been a victim of fraud and identity-theft, which my personal information got stole/compromised with someone. I have filed a police report and have submitted an affidavit a number of times to XXXX, trying to get my XXXX credit file cleaned and fixed. On the other hand, I have submitted those documents to XXXX regarding a particular account called : Goldman Sachs Bank USA. This Account was opened on XX/XX/XXXX by an unauthorized person who stole my identity. XXXX removed the account twice and it got re-inserted on there because the company really think that I actually opened the account and provided unofficial documentation to XXXX, which is incorrect. I am highly upset because XXXX  is violating the Fair Credit Reporting Act and is reporting and re-inserting incorrect and inaccurate information on my credit file. My next steps are to file a small claims court lawsuit against XXXX for not complying with the standards of the Federal Government. Please correct this issue. This account was re-inserted on my credit file on XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. This is making me very upset and is causing additional stress in the mist of a pandemic of XXXX, which I was affected and those around me was affected as well. Please honor my request and have this fraudulent account removed from my Experian XXXX XXXX. Also, this is the only credit bureau this fraudulent account is listed on.
Product: Credit reporting, credit repair services, or other personal consumer reports

its been over 30 days- 60 days and transunion XXXX XXXX XXXX XXXX failed to respond to any of my letters or request. i am getting ready to file a lawsuit in XXXX courts for damages and violations. they are violating the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and file complaint to EQUIFAX for certain inaccuracies on my credit report, which I believe do not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My correct address is XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX. The FTC report numbers related to this complaint are XXXX, XXXX, XXXX, and XXXX. Upon reviewing my credit file, I have identified several questionable entries that appear to be duplicative or otherwise inaccurate, with no evidence of authorization or approval by me. These entries do not reflect any transactions, accounts, or activities that I have knowingly initiated, and I believe them to be fraudulent in nature. Under the FCRA and FACTA, I am entitled to dispute any inaccuracies on my credit report and to request that unverified or erroneous information be removed. I formally request that you investigate these items and, if they can not be properly verified, remove them from my credit file in accordance with federal and state law. Per FCRA Section 605 ( 15 U.S.C. 1681 ), I expect that any unverifiable information be removed or corrected, and under FACTA Title 1, Section 151, I am entitled to receive proper documentation proving the accuracy of these entries. I expect a thorough investigation and timely resolution of this matter, and should these entries remain unresolved, I will take further legal steps to protect my rights.
Product: Checking or savings account

Bank of America credit 4 direct deposit payments to another account holder and keep telling me there is nothing they can do and it is the payers responsibility. 

Massachusetts XXXX issues 3 payments for the amount of XXXX on XXXX. 

SSI issued a payment for XXXX on XX/XX/19. 

The bank has verified the money ended up in the wrong account and that since the account number and name didn't match the deposits should have been rejected but were not. 

I was told the bank will not take any proactive action. 

I called both payers and they told me it is the banks error for not authenticating the payments properly.
Product: Credit card or prepaid card

American Express recently informed me that it sent a {$50.00} check to me and attached a copy of a statement that listed my address. The American Express account statement does not show my correct mailing address that I gave to American Express when I opened an account with them. 

American Express asked me for two addresses when I opened my account : a physical street address and a mailing address. As one of the attached American Express Statements ( Statement_Enclosure.pdf ) indicates the address they have been mailing their correspondence to is incorrect. American Express should investigate what address I provided to them as my mailing address at the time I opened the account. Despite my many reports to American Express that I was not receiving critical correspondence from from and informing them multiple times during XXXX and XXXX about my correct mailing address, they still fail to address the mail properly and this is the first time they had shown me a document that has my address they way they printed it on their correspondence. 

I had not received the {$50.00} check that Amex promised they will mail me and American Expressed failed to perform a due diligence of their system to correct the problem.