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

On XX/XX/XXXX, Someone tried to hack my capital one account. So I had it locked but due to it being locked i'm unable to have it unlocked due to not having a ID. Capital one literally won't let me unlock it because they need my State ID. which I don't have or able to get because my account is locked. Everytime I call they ask for my ID even though they know my situation. They asked why I can't buy one because my capital is locked with all my money on it. I'm also unable to buy an ID because of my capital one is locked. Even though support knows they just keep saying when I get a ID step in the Branch. But Again How can I pay for a ID if my bank account is locked. It's been 2 weeks I'm late on my bills Im unable to order food. I'm unable to call a XXXX for work. I need some help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a charged off debt to my credit that I do not owe. My car was totaled and GAP insurance is supposed to be paying for it. I have been fighting with them for a while and they have not paid it. The lates and charge off on this account are not my fault and it should not be on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/ 2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : 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 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

Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name XXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date of AccountXXXX/2025
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX Experian lured me to sign up for a free credit monitoring service named Experian XXXX. ( I just found out it won't be free after XX/XX/XXXX ). Ever since then I have not been able to access my Experian account. No way to talk to a live person calling their customer service number XXXX. The recording just goes around in circle. Only way to talk to them is by calling Experian Identityworks and have them forward the calls. ( I was told that they are two different entities but evidently they are very closely related ) I am no longer able to access my Experian account. I was told by Experian representative that in order to access my Experian account, I have to accept another subscription. Right now I can't see my own Experian account to verify whether my credit is frozen or not, let alone freeze or unfreeze it. They are practically taking my Experian account hostage!! I don't trust what they are telling me over the phone because the rep that I talked to gave me information that I know is incorrect. Besides, I should have every right to access my account just like all other consumers. Other people I know without the Experian XXXX account have no problems at all accessing their accounts. Please help me gain online access again to my Experian account.
Product: Debt collection

ECMC is reporting a fraudulent debt on my credit report and is attempting to collect without giving me any information. I already explained that this was not my debt. I pulled my credit report and their address is not listed. Please see page XXXX on the attached below. 

Also I 've uploaded my FTC documents for your review. 

Please help me get this resolved, it 's affecting my family. 

thx XXXX ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was pulling my credit report up to get preapproved for my mortgage, I noticed several thing that are not right.first up my name is XXXX XXXX XXXX PLEASE DELETE any other name. My SOC SEC # XXXX DOB XX/XX/XXXX please remove/delete any other SS numbers from my credit report they are not me, someone else information. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following Fraudulent addresses:XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX-XXXX,XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I do not know who SSN : XXXX SSN : XXXX SSN : XXXX not mine please delete. I have an account with a false 60 day late payment that was never late : XXXX XXXX # XXXX inaccurate please delete. 
I have never done business with XXXX or XXXX XXXX XXXX # XXXX please delete this account it may have belonged to one of the other SS and names on my credit report.
Product: Credit reporting or other personal consumer reports

-TransUnion Remove and delete Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates LLC under the FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g Sec. 809 { b } is disputed and validation requested. 

Account : XXXX Account : XXXX They have been contacted by certified mail on multiple occasions and they don't respond back with the information requested of them : * What the money they say I owe is for, *Explain and show me how they calculated what they said I owe, * Provide me with copies of any papers that show I agreed to pay what they say I owe : THEY CAN NOT -I DONT HAVE A LEGALLY SIGNED CONTRACT TO PAY PORTFOLIO RECOVERY ASSOCIATES A DIME!, * Provide a verification or copy of any judgment if applicable, * Identify the original creditor, *Prove the statute of limitations has not expired on this account, * show me that they are licensed to collect in the state of Michigan, * Provide me their license numbers and Registered Agent or Agent of Service. 

They don't send anything -- EVER They are reporting on my credit reports and I demand that my FCRA rights have been violated as they have no proof of legal signature that I have a contract with THEM. I don't owe them a dime.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.

DPT ED/XXXX XXXX Balance Owed : {$10000.00} ; DPT ED/XXXX XXXX Balance Owed : {$24000.00} ; XXXX  XXXX Balance Owed : {$6300.00} ; DPT ED/XXXX XXXX Balance Owed : {$2000.00} ; DPT ED/XXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$1800.00} ; DPT ED/XXXX XXXX Balance Owed : {$3500.00} ; DPT ED/XXXX XXXX Balance Owed : {$6800.00} ; DPT ED/XXXX XXXX Balance Owed : {$4900.00} ; DPT EDXXXX XXXX Balance Owed : {$3200.00} ; DPT ED/XXXX XXXX Balance Owed : {$21000.00} ; DPT ED/XXXX XXXX Balance Owed : {$4000.00} ; DPT EDXXXX XXXX Balance Owed : {$7000.00}.
Product: Checking or savings account

I have a Well Fargo Checking, savings, and Credit card. I haven't received my paperwork since their settlement Wells Fargo agrees to a {$3.00} XXXX settlement with CFPB over consumer abuses. I have had these accounts since XXXX-current. No information from Wells Fargo or any reach out to myself for they actions during my time with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX. I'm not sure if I chose the correct explanation for what my issue is. But on my TransUnion credit report it shows XXXX collections from XXXX XXXX XXXX XXXX XXXX XXXX. Well first it is not on my XXXX credit report so I don't understand why it's on TransUnion. Anyways, that should not be on my credit report because I did not ever use a credit card to make payments. Second it is not a loan to me not did I ever get money from them as a loan. It's a bail bonds that I paid in cash. And the person which I bailed out went to jail two days after bailing him out. Third you can not put something on my credit report that I did not establish credit from. Please remove this as it is making a hardship for me.
Product: Credit reporting or other personal consumer reports

In regards to three accounts on the credit report,XXXX. XXXX, XXXX. VENMO XXXXXXXX XXXX XXXX, In accordance with the fair credit reporting act, this creditor has violated my rights, under 15USC 1681 section 602 - states I have a right to privacy.

Under 15USC Section 81 Section 604A section 2, It states that a consumer reporting agency can not reporting agency can not furnish a account without my written consent.

Under 15USC Section 1666B A creditor may not treat a payment on a credit card under an open consumer account as late under any circumstances Thanks and best regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Massive security breach from Equifax has leaked all of my personal details. This is an absolute risk to myself and all others who were victims. Their negligence and extremely un-timely alert leaves a huge amount of risk still.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TRANSUNION XX/XX/XXXX XX/XX/XXXXTRANSUNIONXX/XX/XXXX TRANSUNION XX/XX/XXXX XX/XX/XXXXTRANSUNION XX/XX/XXXX TRANSUNION XX/XX/XXXX TRANSUNION XX/XX/XXXX TRANSUNIONXX/XX/XXXX XX/XX/XXXXTRANSUNION XX/XX/XXXX TRANSUNION XX/XX/XXXX TRANSUNION
Product: Debt collection

Harris and Harris LTD XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Re : Debt Validation Request and Cease and Desist Notice for Account No : [ Your Account Number ] Ticket Numbers : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) To Whom It May Concern, I am writing to dispute the validity of a debt that your company, Harris and Harris LTD, claims I owe to the XXXX XXXX XXXX XXXX in the amount of {$840.00}, with the ticket numbers specified above. I received your debt validation letter on XX/XX/XXXX, and I am hereby requesting detailed information to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under sections 809 and 811. 

I dispute the aforementioned debts for the following reasons : 1. Lack of Documentation : I request that you provide the original documentation pertaining to this debt, including but not limited to the original agreement, contract, or instrument bearing my signature and clearly showing that I am indeed the party responsible for this debt. Please include all terms and conditions related to these alleged debts. 

2. Proof of Assignment : Additionally, I request that you provide documentation proving that this debt was legally assigned or transferred to Harris and Harris LTD. This documentation should include a complete chain of ownership, demonstrating the legal transfer of the debt from the original creditor to your agency. 

3. Verification of Dates and Amounts : I seek verification of the dates and amounts associated with each ticket number mentioned in your letter. Please provide detailed records that substantiate the validity of these claims. 

If you can not provide the requested documentation within 30 days from the date of this letter, I request that you cease and desist any collection activities related to this debt, as it will be considered inaccurate and not properly validated under the FCRA. This includes ceasing all communication with me, my family, my associates, or my employer regarding this alleged debt. 

I also remind you of your obligation under the FCRA to promptly investigate and respond to disputes and to report the results of your investigation to credit reporting agencies. Any failure to do so may result in legal action being taken against your company. 

Please ensure that all communication regarding this matter is sent to my address as specified below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX I am taking this dispute and cease and desist request seriously and expect that Harris and Harris LTD will comply with all applicable laws and regulations in providing the requested information. 

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

OPORTUN/PROGRESO FINAN XXXX, this account is reporting inaccurately on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the inaccurate information be updated to reflect my accurate payment history. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Checking or savings account

Multiple times I contacted the ChexSystems about errors showing on my consumer report with the accounts XXXX routing/checking XXXX and XXXX  routing/checking account XXXX. Companies wanted police reports attached to the complaint I have police case number XXXX reply available.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX : {$7000.00}, company is reporting inaccurate information to my credit report. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 ( a ) States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 Section 805 ( a ) States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1692 Section 805 ( a ) Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 ( g ) section 809 states a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

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

15 U.S.C 1666 ( b ) states billing error.
Product: Checking or savings account

Hi, So I had a XXXX shipment about a year ago have stopped. The shipment never left the store. However my account had a weird billing issue and I was still charged, rather than it being automatically reversed. Well I tried to dispute that charge and my bank said I had to sort it out with XXXX. Well with XXXX they said they couldn't refund me the balance. Here is my entire conversation with the disputes team. I've given up with the bank so I'll try and reach out to XXXX   to seek a refund again. 

This is our chat convo with them XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a American express card in the mail .I did not activate it called company and canceled but it is showing charges on my report
Product: Checking or savings account

Over the last XXXX years I have been charged with unwarranted overdraft fees that caused me to lose over a XXXX XXXX dollars from Wells Fargo Bank . Its occurred even after I placed the overdarft protection option on my checking account.
Product: Bank account or service

We arranged with Remitly online for {$100.00} to be transferred to a family member 's bank account in the XXXX. The money was removed from our bank account but never transmitted to our family member. Remitly had vague answers over 6 days about the status of the transfer. We contacted our bank to dispute the charge and will make other financial arrangements for the transfer. We will not use Remitly again and advise anyone else to avoid this company.
Product: Debt collection

XXXX {$XXXX} Date XX/XX/XXXX ; XXXX {$XXXX} Date XX/XX/XXXX ; XXXX {$XXXX} Date XX/XX/XXXX ; I contacted the company and dipute these accounts valid and the company should remove them. They did nothing. These account should be deleted.
Product: Checking or savings account

I have been longtime customer with this company and every since I got married add my wife to my account every other month or so my dedit card dont work or extras back to back fees are coming out or overdraft fees are getting higer to manage Im close my account soon with this company Im so disappointed in them being longtime client here I dont feel protected at this bank at all
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports I discovered that there are accounts that are not mine. Those accounts have been fraudulently opened with my information.. I am asking that those accounts be deleted and removed immediately The accounts are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I was not aware that these fraudulent accounts existed
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, XXXX and Transunion, alleging systemic issues such as failing to forward consumers provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures aligned with my experience, where XXXX, XXXX and Transunion have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account accounts, as XXXX 's, XXXX and Transunion inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an XXXX XXXX Credit card. My intention was merely to improve my credit score score. XXXX XXXX required that the initial contract was that pay monies that would be in escrow and returned back to me after a certain length of time. As time progressed, it got close to me collect my XXXX or more ( escrow ) along XXXX Sent mailed me a check for {$160.00}. THEY STATED THAT MY ACCOUNT WAS SATISFACTORY PAID. XXXX XXXX SOLD MY INFORMATION TO ANOTHER BANK UNDER THE SAME NAME. I BEGIN TO SEE ON MY CREDIT REPORT WITH ANOTHER XXXX ACCOUNT I HAVE NO KNOWLEDGE ABOUT NOR DID I SIGN A CONTRACT WITH THIS BANK. I DISPUTED ON EXPERIAN NUMEROUS OF TIMES. EXPERIAN REFUSE TO REMOVE THIS DEROGATORY CHARGE. XXXX
Product: Mortgage

I filed for a Chapter XXXX bankruptcy on XXXX XXXX, 2016 and my attorney provided notice to the trustee and lender at XXXX. Caliber proceeded with my sale any way at XXXX. My attorney contacted the trustee and they stated the sale would be rescinded due to the fact that proper notice was provided yet it is now two weeks later and we keep getting the run around and the sale has not yet been rescinded.
Product: Debt collection

In XXXX day within an hour of the first call they attempt to call again and I have record that it 's a total of XXXX calls in a day if not more and they call repeatedly that 's harassment.
Product: Credit reporting

I have a credit report from XXXX XXXX 2016 where Transunion shows that there are XXXX inquiries on my credit report. Then, on XXXX XXXX, I pulled another credit report and Transunion has placed XXXX inquiries on my credit report. They claim it was a glitch, but when I called, the representatives lie and say my credit report was not affected, but I have the proof. I was hung up on by XXXX representatives who refused to transfer me to a manager, or anyone in the USA. 
The violated the Fair Credit Reporting Act, Section 611 ( B ) ii which states any deleted information ca n't be re-inserted unless they notify a consumer in writing within 5 business days. I was never notified. They just blatantly broke the law. 
These are the inquiries that were deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I requested a dispute unauthorized transaction on my account made at XXXX  XXXX  of amount {$100.00}, {$9.00}, {$20.00} And {$10.00}. The bank gave me the money back than took it away out the account like a month later. I called to request same dispute. I was told they'll get back to me with their answer. Few days later I made a XXXX  transaction of {$130.00} by mistake because i was trying to do a bank transfer which i didnt have on my account and I reported that to them as soon as possible to dispute that as well. They made the dispute process but I didn't get no answer from them about that. Then I received a mail from them stating I'm overdraft my account and my account would be closed due to none payment. But i never added overdraft protection to that account, they even give you an option if you want to add it or not. Before that happened they blocked me from accessing my online. I was never told my account was overdraft of {$220.00} until I call XX/XX/2023. So they used my money that I was waiting on for some overdraft transaction I wasn't notified by to pay it off.