23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Vanilla Gift card purchased at XXXX XXXX XXXX in XXXX XXXX, FL on XX/XX/23. Was given to me later that day. Upon opening part of the XXXX number was scratched off making it unusable. After many calls to XXXX, Vanilla they told me it was likely fraud scam and to send an email to XXXX including documentation requested. Many months later they issued a new card. I activated the card, but it had a XXXX balance. As shown on the attched screen shot from the transaction history they put the {$160.00} onto the new card, then they removed it the next day. I called several times and finally they said they would need to issue another card and this would correct the problem. New card also had XXXX balance. I sent another email to XXXX on XX/XX/23, but have yet to receive any response. 

I have lots of documentation which I can send along.
Product: Debt collection

Company keeps calling my number daily for another person 's debt. Want it stop. I keep blocking a number and they are using some type of roaming number to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to verify the legitimacy of the reported Bankruptcy XX/XX/2011 Docket ID # XXXX. 

Transunion, XXXX  and XXXX  has repeatedly " verified '' this as accurate information. 

My question to Transunion, XXXX  and XXXX  has always been : " Which original source of the information did they verify accuracy with ''? 

I know the clerks at the City of XXXX courts, who have told me that they don't speak to the credit bureaus at all. So who did they " Verify '' this with??? 

My XXXX XXXX  report has a security freeze on it, so they couldn't have verified it with them, could they??? 

I am confused and genuinely feel like a victim of the big corporate society who is trying to keep the little guy down. Please help. I have no where else to turn.
Product: Credit reporting or other personal consumer reports

I recently obtained a recent copy of my credit report and noticed that all three credit bureaus are reporting different information. I also noticed some inaccuracy I am asking transunion to investigate XXXX account # XXXX as this is hurting my credit score and affecting my credit
Product: Mortgage

I closed and sold my property on XX/XX/16. Fifth Third Bank received the pay off for the amount they disclosed as the payoff amount. This amount included a payment of {$130.00} to the mortgage insurance company and it was also stated on the payoff letter. 
On XX/XX/16, Fifth Third Bank made a disbursement for my escrow account of {$270.00}. 
They should not have paid out anything from my escrow.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding the handling of my dispute concerning incorrect account information on my credit report. Despite submitting a dispute request to Experian, the incorrect account remains listed on my credit report, and no appropriate action has been taken to correct the information. I believe Experian has failed to adhere to the requirements of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). I initially disputed several accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Experian has responded by indicating that the incorrect account will remain on my credit report. This is not only inaccurate, but it is also a violation of my rights under the FCRA. 
Under the FCRA, I am entitled to a fair investigation and a correction of any inaccuracies on my credit report. Section XXXX of the FCRA allows consumers to request the removal of erroneous information, and Section XXXX mandates that a credit reporting agency must investigate and correct any disputed information within a reasonable time. Since Experian has failed to correct the disputed account information, I am requesting the immediate removal of the incorrect account from my credit report. I respectfully request that the CFPB investigate this matter and take action to ensure Experian complies with consumer protection laws and removes the inaccurate account from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts I marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is from a on the job work injury. I was transported by my employer to XXXX XXXX XXXX XXXX, to receive XXXX XXXX XXXX XXXX Workers comp 100 % responsible. Both Lj Ross and XXXX XXXX agree my employer is responsible. But still send me into collections, instead of billing my employer. 

Total trying to collect is {$250.00} from XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The hard inquiries on my credit report were made without my consent, violating 15 USC 16c-2. Please take action to remove these inaccuracies immediately.
Product: Debt collection

i did busines with capital one not this third party debt collector this company can not show proper debt validation and by regulation of the fcra section 609 they have to provide original contracts which can not be provided by this third party company whom is trying to collect illegally
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ref : # XXXX I find that the following information provided on credit report to be an error. This account was never late or owed any amount ( pursuant to HJR XXXX ). You are alleging that I owe without furnishing any proof of this debt with full accounting of ledger or proof of any XXXX that were filed on behalf of my principal, or that you have followed all laws and regulations to report therefore you must remove this account from credit report. 

As you know it is against the law to report any information not proven accurate. Under the laws of the State of Illinois and State RISA and MVISA status a deficiency can not be claimed unless all of required notices were properly and timely given, and all of allowable redemption and cure time limits were adhered to. Pursuant to 15 u s.c 1692a ( 1-7 ), 15 u.s.c 1692e ( 1-12 ), 15 u.s.c 1692g ( a-c ), 15 u.s.c 1666. 15 u.s.c 1681 ( a ).

The alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

If you severally fail to comply with above requests, I reserve all rights, interests and proceeds to seek damages against all parties, under all applicable state, federal and XXXX XXXX remedies. 

Thank you XXXX, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Interest is above what is allowed in California
Product: Debt collection

( XXXX XXXX  XXXX  XXXX  XXXX  ) is now reporting on my credit report of a balance of {$3300.00} I have been writing and calling ( NCB Management Services ) about this debt I have no knowledge of. 
I check my reports and NCB Management Services seems to have change their name on one of the credit bureaus reports as the collector to. ''XXXX XXXX  XXXX  XXXX  , '' Reflecting the same debt they say I owe. 
The address I have been mailing letters to and calling, To get information on this debt is the same address and number listed below. 
XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX This is a case of Fraud, because I have no knowledge of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and I would like to inform you of the inaccurate reporting on my creditfile. See list below. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
In pursuant to the FCRA section 609 ( A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with Equifax. Further I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my Equifax consumer file. All information in pursuant to the FCRA section 609 should be mailed to 12101 XXXX XXXX XXXX  XXXX XXXX, TX XXXX. I am disputing andrequestinginformation on the following. 
Account Name - XXXX XXXX XXXX. 
Account Name - XXXX XXXX XXXX. 
Account Name - XXXX XXXX. 
Account Name XXXX  XXXX. 
Account Name XXXX XXXX . 
Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 

If any item ( s ) return as verified please provide all records in regard to FCRA section 609. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge. 
Thank you for your attention to this matter. 
XXXX,
Product: Money transfer, virtual currency, or money service

I sent Zelle to someone and it sent to the wrong person and I thought I was going to be refunded and never was a talked to my bank and it didnt let me refund it either.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered multiple hard inquiries that I did not authorize. These inquiries XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX were made without my consent, which is a violation of my rights under the FCRA, FACTA, and FDCPA. Enclosed with this letter are copies of my credit report highlighting the unauthorized hard inquiries for your reference. I request that you conduct a thorough investigation into these unauthorized inquiries and remove them from my credit report immediately. The FCRA requires that credit bureaus investigate disputes regarding inaccurate or unauthorized information in a timely manner. Therefore, I request that you investigate these unauthorized hard inquiries and remove them from my credit report as soon as possible. Failure to comply with the FCRA, FACTA, and FDCPA may result in legal action. I trust that you will handle this matter with the urgency and seriousness it deserves. Please inform me of the results of your investigation and any actions taken.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased two tickets to an upcoming XXXX XXXX  scheduled in XXXX ME. The concert was subsequently canceled due to COVID-19. I was told I would not receive a refund as the concert would be ultimately rescheduled. 

The concert was rescheduled in XXXX of XXXX. However, the link to my tickets was expired and would not work. I called and emailed the ticket company on numerous occasions and was told that " due to extreme call volumes and work shortages their response would be delayed. '' After several attempts for resolution to no avail I had to cancel my travel plans and accommodations 48 hours prior to the concert as I still had not tickets. That same day I filed a dispute with Capital One. I answered all their questions and provided them with every email and document I had available. 

I recently received a letter from Capital One ( albeit dated back on XX/XX/XXXX ), referring back to my dispute date stating that " At that time we began an investigation into your dispute and requested information from you. While we have received your response to this request, we have a limited amount of time to reverse a merchant 's charge. Unfortunately, that timeframe has expired for this particular charge. '' Apparently implying that because I waited a year to dispute the charge, after being misled that I would get new tickets in time to travel to the newly scheduled concert, I was " out of luck. '' The face of the matter is the merchant got paid and provided me with no product or service and misled me the entire way. As the credit card company feel that is up to them to stop this sort of behavior, The whole reason I use credit cards is for the added security they supposedly bring over cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really need your help because at this point I dont know where to turn.I opened the mail and I saw three letters.One from all three credit bureaus.I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other two bureaus removed the information I challenged, which was the following : Creditor : XXXX XXXX XXXX Account # :XXXX I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector.I sent them a letter by certified mail and it was received on XX/XX/2018 and asked them to verify the debt and investigate. As oftodaythey still have not responded to me nor have they attempted to investigate this issue or delete the item. This debt was not properly verified and I don't believe that it is mine. None of the credit bureaus have remedied this issue. I thought they had 30 days to investigate and fix the inaccurate account listed. It has been over 45 days and this debt has not been verified nor has it been removed from my credit profile. This is a HIPAA violation to report this on my credit report as a collection and not verify it. I would like to seek legal representation if this is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX BANK XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; BANK XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX XXXX ( Original creditor : XXXX BANK ) XXXX Balance : {$650.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ( XXXX XXXX ) ) XXXX Balance : {$0.00} ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX BANK NA Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XXXX XXXX, XXXX.
Product: Credit card

I made a payment over the weekend on XX/XX/XXXX. The statement date is XX/XX/XXXX. Both the statement and the payment should have processed the next business day. Navy Federal processed the payment on XX/XX/XXXX which is the PREVIOUS business day while reporting that the statement cycled on the XXXX. This has caused my account to report as over limit and has hurt my credit score. Navy Federal insists that this is not a mistake and that they can not correct this.
Product: Credit card

I received a call from XXXX, NC at XXXX. He tells me that he is call Wells Fargo and that my Credit Card is being charged and would like to put a stop to it. I inform him that i would like to contact my back and will be checking my account online to make sure what is going on. He tells me he can do that for me since he is already speaking with me. I inform him that I will call the bank myself. I hang up the phone on him. He then calls me back upset that I hung up on him. I tell him I am going to the back to check what is happening since i don't own a credit card. He tells me I do own one. He has call me last week and has call me twice today XXXX at XXXX XXXX. My bank has informed me that my accounts are ok. If he was from Wells Fargo he should understand that I can call my bank. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my dispute letter dated [ XX/XX/XXXX ] concerning inaccuracies on my credit report. It has now been [ 36 ] days since the 30-day investigation period mandated by the Fair Credit Reporting Act ( FCRA ) expired. 

Your failure to adhere to the FCRA, 15 U.S.C. 1681i, which requires a response within 30 days, constitutes a clear violation of federal law. This statute mandates that you conduct a thorough investigation of my dispute and provide a resolution within the specified timeframe. Your inaction is unacceptable and not only impairs my credit standing but also infringes upon my rights as a consumer. 

The disputed items remain unresolved, and the details are as follows : XXXX XXXX Type of Business : Bank Credit Cards Date of Inquiry : XX/XX/XXXX XXXX XXXX  Type of Business : Bank Credit Cards Date of Inquiry : XX/XX/XXXX XXXX XXXX  Type of Business : Bank Credit Cards Date of Inquiry : XX/XX/XXXX XXXX  Type of Business : All Banks Date of Inquiry : XX/XX/XXXX Enclosed are copies of my original dispute letter and the supporting documentation previously provided. Given your non-compliance with the legal requirements, I demand that you immediately : Complete your investigation : Correct or remove the inaccurate information from my credit report without further delay. 
Provide a written response : Detail the results of your investigation and confirm the actions taken to rectify this issue. 
If you fail to comply with these demands within the next 10 days, I will have no choice but to escalate this matter by my rights under the FCRA. 

This situation requires your immediate attention. I expect a prompt resolution to avoid further legal and regulatory actions.
Product: Debt collection

I received a letter on an old debt that is out of the statute of limitations for Collections in XX/XX/XXXX. I sent the debt company a certified letter within 30 days advising to stop all communication with me and the address about the debt. This debt is not on my credit report. The company forwarded the debt to their parent company who sent out another letter with a summary of the verification of the debt. This information was not requested in the stop communication letter. This debt originated in XX/XX/XXXX, was charged off in XX/XX/XXXX and acquired by the current company on XX/XX/XXXX. I am not aware of all the statute of limitations, but I still assert this debt is old and can not be collected. I am not sure how to respond to the latest letter from XX/XX/XXXX. 

Thank you for your assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute online and XXXX and Equifax supposedly investigated the issue and it came back as a valid debt. It is not and if they properly investigated with the information below and attachments I submitted they would see it's not a proper debt and needs to be removed from my credit report. 


We moved out of our apartment ( XXXX XXXX XXXX ) XX/XX/XXXX. In XX/XX/XXXX, I contacted them to get an apartment verification for a home loan and I was told that we had a {$3000.00} balance for failure to vacate the property without notice. I told XXXX XXXX property manager ), we did give proper notice and even showed him the email that was sent to the previous property management, he said that it was not valid. I contacted the previous property management company, who confirmed I gave proper notice AND that information was emailed to me. My husband personally went to the office and gave XXXX the copy along with a copy of the picture of the walk thru we did with his former employee and he said he would send it to corporate for approval and get back to us within a week. Two weeks later, we heard nothing. My husband went to the property again and was told by XXXX that corporate denied the approval and we still had the {$3000.00} balance and now he was saying that included damages. I contacted corporate several times in XX/XX/XXXX and finally received a response in XX/XX/XXXX from XXXX XXXX. I was told the charges would be corrected and would only be charged for damages, which she estimated around {$900.00} or less. Again I never heard anything until in XXXX I received notice that they sent me to collections. I contacted corporate again and several times since and have not had a reply from them til this day. XXXX the property manager did reply and said he left me a voicemail and I didn't pay so he sent it to collections. I asked when he left me a voicemail because I never received a call from him, he said he didn't know. Furthermore, if my balance for damages was around {$900.00}, I'm sure they didn't take into account that I gave a {$1200.00} deposit and therefore don't owe them anything, they would owe me money. Also, he could have contacted me via email because he had my email address ; that was included in the email from XXXX XXXX ( his corporate office ). And in the paperwork I gave him also included my forwarding address, I never received a notice by mail either.
Product: Money transfer, virtual currency, or money service

I am writing to express my official concerns about Zelle 's dispute resolution process, particularly in light of the CFPB 's recent lawsuit that exposed serious problems with the platform. Both Zelle and my financial institution have not thoroughly investigated my claims, even though I frequently use Zelle and have reported inconsistencies. They have informed me that it is not possible to track these transactions and that it is not possible to reclaim lost money. According to the CFPB 's findings, Zelle has not only failed to protect customers but has also allowed repeat criminals to abuse the system, increasing the likelihood that users may fall victim to frauds. There are major worries about consumer safety because of this intolerable lack of transparency and accountability.