23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Financial Asset Management Systems has been calling me non stop from about 15 different numbers for over a week. They did not leave one voicemail when they would call 4-5 times a day, so I believed they were spam or fraud. I JUST got a letter in the mail from them today, and the number on the letter is NOT one of the numbers they called me from.
Product: Debt collection

i received wage deduction summons from Shindler & Joyce Attorney at Law on a debt i am not aware of. I filed bankruptcy back in 2001 and since them i have never been able to obtain credit, i am soley cash person now. i never opened any accounts that were left unpaid. Shindler & Joyce Attorney at Law has not provided any documents to me about the debt or give me any information on the debt or even tried to contact me in any way at all. they went straight to garnishing my wages and i have no information as to why or how much. that is not right i have obligations to meet now i can not pay my rent!!!! PLEASE HELP ME!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX and Experian permanently blocked the following fraudulent accounts from my credit report between XX/XX/XXXX- XX/XX/XXXX, but the fraudulent accounts has reappeared on my credit report : XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX and XXXX/XXXX XXXX XXXX. The fraudulent and unauthorized accounts dont belong to me. I been receiving harassing and threatening phone calls at home and at my job from debt collectors from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, {$7000.00} and XXXX/XXXX XXXX XXXX {$420.00} for over 2 years. The debt collectors continue to call me before XXXX XXXX and after XXXX XXXX  The debt collectors/representatives from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX XXXX XXXX, has used profanity, obscene and vulgar language, made death threats, threaten me with legal action and being arrested. I have sent numerous letters in writing for over 2 years via USPS by certified mail, requesting for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX XXXX XXXX to cease and desist all communication and correspondence with me, but the creditors continue to contact me, even with my name and phone number listed on the Federal/National Do Not Call List. Egregious conduct has been committed by the above debt collectors, and is a clear violation of The Fair Debt Collections Practices Act ( FDCPA ) U.S.C. 1692 under Federal law. I will be taking legal action against the above debt collectors for violating The Fair Debt Collections Practices Act ( FDCPA ) under Federal law.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data Breach. Reviewing my credit reports, I noticed some accounts i am unfamiliar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information i am not familiar with. 
Please find attached a copy of my ID, The FTC compliant, a copy of the XXXX report showing my information being exposed in a data breach and a validation of debt letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible please. 

XXXX XXXX XXXX {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to complaint XXXX. Why have you sent me a statement that the creditors have verified my accounts? You've failed to send me any documentation that verifies this and I've also called and was told that there was never an investigation and that you didn't reach out to determine whether they're listed the right way. What I don't understand is that if you are the one that is responsible for maintaining my information, then why do I have to fight with you to do your job? How is it that XXXX did an investigation and removed the account from my credit report? I need for you to actually perform an independent investigation on these accounts : XXXX XXXX XXXX. Please provide proof or remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my Experian credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent account on my report. Please remove these accounts from my report, they are hunting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Bank of America continues to willfully falsely report my mortgage as 90 days and 30 days late although I HAVE NEVER been late and this was verified by them and stated in the last resolution. YET the credit reporting department continues to verify the INCORRECT reporting as of XX/XX/XXXX causing me serious financial harm. At this point it would be considered malicious. I am given the information that it was corrected, yet when disputed it is falsely verified instead of corrected. 
My modified loan began XX/XX/XXXX and I made ALL PAYMENTS ON TIME. Never late, never over 30 days late. This is LEGALLY VERIFIABLE. In addition BofA misappropriated a payment to principal, their OWN error and yet reported as late. Wrongly reporting last payments as well. Legal action is being taken, this just further documents Bank of America 's willful wrong reporting. Damages accrue daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity and placed 10 hard inquiries on my credit report. The credit bureau will not remove them. 

XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My husband purchased a truck in XX/XX/XXXX in XX/XX/XXXX he was dignosed with terminally XXXX  XXXX 's XXXX I was not on the notr he XXXX in XX/XX/XXXX the life insurance he purchased when fiancing the truck was to pay it off. Well now I have this on my credit report and they came and picked up the truck. It was repossed I sent them in a payment of XXXX dollars when I went and got my truck all of my husband personal belongings we're gone they gave me a check for XXXX to replace them and the steering collom was broken they said because I signed that check they were not libal. How please help me I have no truck no husband and this is not fair at all. Now this is on my credit report this was to be given to our daughter. We have XXXX children .please help me we paid XXXX dollars and they took the vehical and out the XXXX he owes they say iby credit report they should pay me theXXXX they took it from me he had insurance threw them as well as life insurance.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

JC Penny has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately. Thank you. 
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

I am writing to formally lodge a complaint concerning my credit report. Despite my repeated efforts over the previous attempts to rectify the errors, my credit report still inaccurately reflects late open accounts and includes a public record that should be removed. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. I have provided the necessary documentation and evidence in my previous disputes to support my claims. However, it is disheartening that these errors have not been corrected, negatively impacting my credit score and financial standing.These errors are not resolved promptly, so I will seek assistance from you and pursue legal action to ensure my rights are protected. Kindly help me correct the late open accounts and remove the public record immediately : XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. XXXX XXXX  XXXX Balance Owed : {$1100.00} Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. Chapter XXXX Bankruptcy Reference # : XXXX This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the XXXX statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

These item listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When  XXXX  made the change from  XXXX  to  XXXX ,  XXXX  issued me a new credit card. I am also a  XXXX  banking customer. I never used my new credit card, except as a  XXXX  membership card, I have other visas that I prefer using. The card was also never added to my online account.     After roughly 9 months,  XXXX  closed the card, and filed a notice of delinquency. They did not inform me of this, I actually found out via  XXXX  's  credit score  monitoring service, if it had not been for this  XXXX  would still never have informed me of the charge. I started calling  XXXX  to figure out which account had a notice of delinquency, and when they identified the  XXXX  account, I did n't understand, never having spent money on it. It turned out that I was charged the  XXXX  membership fee  ( automatically ) on that c ard, and was never told about it. By that point my payment was about 6 months late and had an addition  XXXX  dollars of interest and late fees on top of the  XXXX  dollar charge. The customer service agent was very pleasant and waived all of the additional charges, I closed the account, and paid the {$55.00} dollars. She also acknowledged that citi dealt with this situation poorly.     However, this event has turned out to have a profound impact on m y credit score . The day it happened it fell by  XXXX  points, and has recovered  XXXX  points in the months since. Working with  XXXX  has been impossible and they say nothing can be done now. They actually made the claim that since  XXXX  has NEVER misreported credit data, they do n't have a way to rescind it, in any circumstance, otherwise they would be happy to. Unsure where to go from here.
Product: Money transfer, virtual currency, or money service

I was scammed from a person that was false advertising and used XXXX to send the them the money. I contacted the bank after a few days after finding out that I got scammed and the bank didnt get me my money back and started talking about how there is nothing they can do. It was a quite a bit amount of money.
Product: Checking or savings account

fraud the person pretends to be hiring manager and makes me believe I got a job. then send fake checks to me and ask me to withdraw cash and send to their vendor 's account. they say it is for the computer and software. but the check is fake and I send my own money to them after I make the deposit. then the check is withdrawn by the bank! I lost my money! and my bank account is frozen by the bank!!!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my EQUIFAX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 shall ( i ) 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. 
According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Product: Credit reporting or other personal consumer reports

My Credit Report Dear [ Credit Reporting Agency Name ], I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report : address, different name etc.
Product: Mortgage

I refinance with Well Fargo and they verbally confirmed that taxes and insurance was included in the monthly payment, however they purposely did n't tell us that it was only for the rest of the first year, then we would have to pay separately for taxes and insurance
Product: Credit reporting or other personal consumer reports

Inaccuracies in XXXX report
Product: Checking or savings account

Capital one is my bank where I have checking account. 
On XX/XX/XXXX XXXX my mother XXXX XXXX wired me {$24000.00}. From XXXX XXXX XXXX.Capital one froze my account without any explanation though I clearly told them that this was an inheritance from my mother 2.After multiple calls for explanation they asked for my mother, s contact.Gave them my mothers phone number.They said that Capital one dont have the ability to call international even though she lives in XXXX and the transfer was an international transfer. 
3.They the rep asked for proof of my relation ship with my mother.Send them my others passport for id and my marriage certificate which has my mother and fathers names. 
4.Now they say there is no timeline or any update. 
At this point my money is held by them with no explanation or any way I can resolve or any way my mother can resolve.This is significant money lack of which has caused me serious financial pain including having to go through foreclosure due to Capital One dontcare attitude
Product: Credit reporting, credit repair services, or other personal consumer reports

This is concerning the recent Equifax security breach. According to Equifax my personal information may have been impacted by this incident.
Product: Checking or savings account

My husband and I created a family trust. The bank refused to supersede our existing accounts into the name of the trust. They wanted us to open a new account in the name of the trust and just add our family members as beneficiaries to the existing accounts and in the event of our death those members could then move the funds into the trust. This is not the function of a trust. They are providing incorrect legal advice and providing incorrect information to stakeholders that could ultimately result in legal and tax consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Verification of alleged debt pursuant to Section 609 ( a } ( 1 ) This letter is being sent to you in response to a correspondence sent to me on XX/XX/2022 This is not a refusal to pay more rather, an endeavor to validate the alleged claim pursuant to Sec. 809 ( b ) of the Falr Debt Collection Practices Act requires that. the consumer disputes the debt or requests identification of the original creditor in writing and that the collector must cease collection until he verifies the debt and mail a response. 
According to the Fair Credit Reporting Act. Section 609 { a ) ( 1 ) ( A }. you are required by federal law to verify, through the physical verification of the original signed consumer contract. any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request the following : Verify the debt ( what is the money that is owed for How did you come up with said amount exactly All contracts that confirm that such an agreement is legal and bonding A certified copy of any judgment made Proof that the statute of limitations does not apply to this account The name and address of the original creditor Confirmation that you have the right to collect debts in my state Your license number and the name and address ot your Registered Agent Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA. unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof. you must remove the account listed below. 
I demand that the following account be verified or removed immediately