23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am disgusted with your lack of action regarding the invalid accounts on my credit report. Despite my repeated attempts to resolve this issue, you continue to ignore my requests and maintain inaccurate and unverified information on my report. I find it unacceptable that you have verified the XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} and XXXX XXXX Open Date XX/XX/XXXX Balance : {$5200.00} accounts while the other bureaus have already removed them from their records. It is clear that this information is inaccurate, erroneous, incomplete, and unverifiable. I demand that you take immediate action to delete these accounts from my credit report, as required by the Fair Credit Reporting Act. Failure to do so will result in legal action against you.
Product: Credit card or prepaid card

The State of Michigan Unemployment System glitched and put my unemployment benefits on a Bank of America debit card in XX/XX/2021. 
I never received the Bank of America debit card. I have been calling Bank of America, Govenor of Michigan XXXX XXXX XXXX office, and the State of Michigan Unemployment Insurance Agency for almost two months and Bank of America still refuses to release the card with my benefits. 
Because of this I had an overdrawn checking account and am at risk to be homeless in Michigan- where it's cold and we have snow. 
It's going on two months and over 30 phone calls. I do not believe it should be this difficult to get a card from a program The State of Michigan and Bank of America created. There is no communication between the two agencies and that is a problem they should address, especially given we have been dealing with the Covid impact for a year already. It shouldn't still be this hard to get cooperation from taxpayer funded programs.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXXXXXX XXXX, I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting

I sent a letter to Transunion. 
XXXX and XXXX have removed any reference to XXXX XXXX XXXX from my credit file. The certified communication was dated XXXX XXXX, 2016. As of this date TransunionXXXX has reference to XXXX XXXX XXXX on my file. I enclosed copies of my certified birth certificate, social security card and current driver 's license which indicates XXXX or XXXX XXXX AND NO MIDDLE INITIAL. Can you please help resolve this dispute? Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX Dispute : According to Cushman v Transunion 1997, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. These accounts violate these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT CFPB Writeup : 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 : Capital One, Account name : WELLS FARGO Account name : XXXX XXXX XXXX Account name : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 of crimes which mandates the report by more than seven years.

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.

15 U.S.C 1666b There is no such thing as late payments 42 U.S.C 408 Asking for anyone 's social security number on any loan and or credit card company is considered double dipping and a violation of RICO.

15 U.S.C 1602g We the people are the credit XXXX and several others have completely lied on official documents saying that they investigated when I have proof they did no such thing. Since they continue to lie I always contacted the to do IRS 3949 form to have them all audited due to this matter and filed a complaint with the United States Courts of federal claims.
Product: Debt collection

On XX/XX/2021 I received an email from a XXXX XXXX with XXXX  XXXX  based out of XXXX, FL stating I owed a debt. I sent the attached email to him. ( attached as email 1 ) On XX/XX/2021 I received a phone call from the same company but this time it was a woman. I told her my rights, I told her to stop contacting me and she got very aggressive and abusive on the phone, yelling at me, threatening lawsuit and being able to seize my assets. I told her to review the letter sent to her colleague XXXX XXXX and I hung up the phone. 

On XX/XX/2021 I received another letter stating " here are the documents '' that you requested. I was not able to open the documents and an IT friend of mine who stated not to open them as they looked like potential documents with at could infect my computer. I also told them on XX/XX/2021 to only contact me via USPS mail and that email, phone calls, faxes and contacting anyone must stop immediately. They have not stopped. ( attached as email 2 ) I will file a lawsuit against this company if I receive correspondence of any kind going forward.
Product: Checking or savings account

Was advised that on the tenth business day provisional credit would be issued in my checking account in reference to a claim, fraudulent and unauthorized activity with my lost and or stolen debit card on XXXX/XXXX/2017. Credit has still not been issued. Claim ID XXXX
Product: Money transfer, virtual currency, or money service

My account went to XXXX balance and I cant transfer what I did have left in the account because they wont let me verify my identity since I live in the united states. They have said I am too late to get my funds and they have zerod the account. I feel scammed since I recieved no prior notification of the closure of XXXX accounts.
Product: Credit reporting or other personal consumer reports

I wrote a letter to Lockhart, Morris and Montgomery requesting for them to send me a contract showing that I agreed to this account and that I am responsible for this account. There is no such contract. I have not received anything back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do n't understand how I can be submitting multiple pages of proof to the credit bureaus proving that these accounts are inaccurate and must be removed and yet, XXXX XXXX did not remove these accounts! Congress clearly states in XXXX XXXX XXXX  XXXX that the burden of proof is on the creditors and the credito bureaus and NOT me so how come nothing isbeing done to assist me? What other proof is required of me to show that these items are not reporting per federal law? 

I 'm attaching the lawsuit that clearly spells this out as well as my credit report and my actual disputes. I do n't understand who allows them to do this ( governement, etc. ) but this is a complete violation of my rights under the FCRA! 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : XXXX XXXX XXXX/Equifax and XXXX  {$0.00} Past due : XXXX and Equifax $ XXXX {$65000.00} XXXX shows that I paid on time for XXXX XXXX an yet you show that I was late! How can that be? 
You are also still reporting late payments that make no sense! You state that I was late in XXXX of XXXX, and XXXX and XXXX or XXXX while Equifax clearly shows that I paid on time. Delete this account at once!
Product: Credit card or prepaid card

I had made a purchase right before COVID-19 shutdown, I was not satisfied with the item I bought. Due to the COVID I couldn't make a store return. I tried, time and time again to contact billing department, macys customer service, and returns department by phone, just to be hung up by the system every single time. There's no LIVE person to speak with, the system keeps hanging up the phone and if I don't make payments, my credit will go to XXXX! WHY SHOULD I CONTINUE TO PAY FOR SOMETHING I DON'T WANT AND CAN NOT RETURN??? There's no help online either! 

THIS IS PURE XXXX!
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed several inaccurate inquiries on my credit report. I tried reaching out and sending letters to credit bureaus and no action has been taken. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX fin XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

Affirm recently responded to my other complaint but they didnt fix the ENTIRE problem. They claim the safety team closed all of these fraudulent accounts but they are continuing to leave XXXX opened and leaving them as my responsibility totaling {$300.00} which isnt fair. I NEVER opened these accounts. This is very frustrating and such an inconvenience. I should not owe ANY balance to affirm. They sent a response that their safety team closed these accounts but Im going to attach the ones that are still opened and looking for me to pay. I dont feel comfortable paying for something I never applied for. Can you please ask them to REMOVE the entire account? ALL of it is fraud not just SOME. I did not sign up for any debt. See below attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was reported as " CO '' with the last date of activity is year 2017, how come that I see multiple " CO '' along with the multiple " OK '' on my paymebnt history? I'm quite confuse, I'm pretty sure this is inaccurate and must be deleted from my file.
Product: Credit card

This account was opened through fraud. 
Company : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Amount : {$1700.00} I contacted this company as this account was opened fraudulently in XX/XX/2023. I did not authorize this account to be opened or the purchases made. I am not even sure what was purchased from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

The collection agency mailed a collection notice to an address that I have not resided for more than 5 years. The debt is not mine and I do not owe any funds to the collection agency. I mailed the CA a debt VALIDATION ( not verification ) request letter via certified mail on XX/XX/2020. On XX/XX/2020, I received a letter from the CA in response to my request for debt validation. The company sent a partial copy of a bill that included my name, previous address, and dates during which I was NOT living at that address or in the state mentioned. Not only does this information fail to satisfy the criteria for proof of debt validation, but I believe this information was obtained under false pretenses. They purchased this debt from the medical center where I supposedly received services, but did not provide adequate information ( actual billing info, discharge paper, diagnostic info, prescription, treatment plan, etc. ) to support the actual validity of the debt and identity of the person that received treatment. Not to mention, purchasing a person 's debt from another entity is illegal within itself. Much of my personal information was leaked in the recent XXXX, XXXX, and XXXX  breaches. Anyone could have stolen my personal information from the internet or data breach and used it fraudulently.
Product: Checking or savings account

I have openned a XXXX Paypal Account and received funds form our sales from XXXX website. email : XXXX XXXX NAME : XXXX XXXX Paypal receive these funds {$47000.00} USD and they are not allowing me to withdral my bank account from XXXX XXXX to this paypal account ( they are always showing same error message : there is an error, please contact support. ) Also they are asking me to create an ITIN number in order to let me move these funds to other paypal account. I have applied to an ITIN in USA IRS 5 months ago ( but so far didn't got my number ). 

So these funds are locked inside paypal. So this is not fair. If they are not allowing me to withdrawal these fund ( because I didn't have ITIN so far ) why they allowed these funds to be deposited in this account in first place? 

I have a bank account but I am not able to link this account at their system. So I would like to ask to receive these funds by a Wire Transfer or they allow me to transfer funds to a different paypal account.
Product: Credit reporting or other personal consumer reports

After investigation was completed by XXXX back on XX/XX/XXXX, the information that I was reporting Fraudulent on my credit report still has not been updated or removed despite the FTC Report and a Police Report. XXXX continues to report information that has not been verified by the creditor as 100 % accurate or remove this information that was opened fraudulently. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : UNKNOWN DATE OPENED : XX/XX/XXXX I requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 1681i7.

They also violated 15 USC 1681i ( 5 ). 

Can you please look into this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - To Whom It May Concern : Pursuant to 15 USC 1681 ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.

They should all be removed from My consumer report pursuant to 15 USC 1682a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.
Product: Payday loan

Getting phone calls every day stating I oee money on a payday loan back in 2012 to insight capital with a phone number of XXXX. I have never heard of this company and never had a deposit from this company. My response from this company was prove it with your ban statements from 2012. Then they threatened me with taking me to court.
Product: Credit card or prepaid card

On XX/XX/2022, a charge appeared on my Capital One XXXX  for {$55.00} at a XXXX XXXX in XXXX XXXX, California. The transaction posted on XX/XX/2022, but was made on XX/XX/2022. On XX/XX/XXXX I was in XXXX, XXXX XXXX, and XXXX, California. I was not in XXXX XXXX. I had not used the card in over a week, as I had been using a different credit card. When I saw the charge on XX/XX/XXXX, I contacted Capital One to report the fraudulent use of the card. The agent initiated an investigation and told me that it should be resolved shortly. 
On XX/XX/XXXX, I was contacted by Capital One, who informed me that they had found " insufficient evidence '' of fraud. I called to try to understand more, and was told that because I had possession of the card at the time, and the transaction showed that the chip was present, the company I believed had benefited from the transaction. Again, I was not in the city where the transaction was made on that day, and had not been in that city for many months. I was 60-100 miles away, using a different credit card, for which I have evidence. 
The company claims that the chip technology can not be tampered with or copied, and so they have determined that it is my responsibility to cover this charge, even though it is clearly fraudulent. They are, in essence, putting the financial fallout from a failure of their technology onto their customers. I tried calling Capital One again to further dispute the charge and to prove to them that I was in a different city, established by credit transactions on another card. They insinuated that I may have let the card out of my possession, that a family member might have used it. I live alone, and the card was in my wallet the entire day. They repeated that because the chip can not be copied, it isn't fraud.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to conduct a proper manual investigation of disputed information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). Despite my explicit request for a manual review, Experian relied on automated systems ( e.g., e-OSCAR ), resulting in a sham investigation that did not adequately address the inaccuracies I reported. I provided all necessary documentation, including an FTC Identity Theft Report, yet Experian refused to block the fraudulent accounts without offering any specific evidence to justify their decision. This reflects a clear pattern of non-compliance and mirrors the allegations in the recent CFPB lawsuit against Experian for similar misconduct.
Product: Credit reporting

I was deceptively charged a fee after receiving a credit report for XXXX dollar. I cancelled the service immediately and Experian did not honor the cancellation. his company was sued before for the same offense and it is at it again. Experian is getting away with deceptive practices and no one is stopping them. I feel that the US government should intervene before many others are being ripped off.
Product: Credit card or prepaid card

I contacted Citi by phone on XX/XX/XXXX and requested a replacement credit card for a new card ( ending in XXXX ) that was never received in the mail after being approved for it. I was told that a card would be expedited. I then called Citi back on XX/XX/XXXX and was told once again that a card would be expedited to me. The card never arrived after attempt # 2. I then filed a complaint with the CFPB. I was then lied to once again on the attempt # 3. On XX/XX/XXXX, XXXX XXXX from the Executive Response Unit stated in writing that a card was expedited to me on XX/XX/XXXX. It is now XX/XX/XXXX and the card still has not been received after 3 different attempts. How is this normal? 

My step is legal action as I was never able to take advantage of something that was advertised to me. Telling me I only have until XX/XX/XXXX to do a balance transfer is unjust ( and illegal ), especially since I haven't been able to utilize or take advantage of the offer. 
I have never had this issue with XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, or XXXX XXXX XXXX.
Product: Checking or savings account

To whom it may concern, I am XXXX XXXX XXXX, XXXX ( XXXX last SS # digits. ) ( XXXX last digits of checking account. ) The Bank of America at XXXX XXXX XXXX XXXX XXXX XXXX Changed by checking account to a interest bearing account. A {$25.00} a month fee has been taken from my account for at least the past two years. The change was without my permission or knowledge. I have had this account since XXXX  Sometime during the pandemic they changed my checking account without my knowledge or consent. I want my funds returned. Please help me in this matter. Thank you in advance for your help. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX I thought you would be interested in this story I found on XXXX : Bank of America to pay more than XXXX XXXX for doubling fees, opening accounts without customer consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not give any permissible purpose for anyone to run my credit. I am wanting those inquiries to be delete it immediately. Inquiry name : NAVY FCU Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX