23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A couple months ago the company listed in the attached letter sent me a collection letter. I recognized the alleged debtor but based on my records I had return all the equipment related to that account and no debt was due. Since I had not been notified of the debt before I sent a letter requesting a verification of the debt, and instead I received a collection letter asking me for payment but no validation of the debt. I have requested validation of the debt three times but I get no response. To this day they have not responded to my requests. In addition, the company is not legally authorized to collect debts in North Carolina.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX - There is no late remarks but tagged as late. 
XXXX  - XXXX  XXXX XX/XX/2019 FLAGSTAR BK - There is no late remarks but tagged as late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Student loan

I just reached out to XXXX regarding two issues and i could tell the representative didnt have the answers to my questions. First off, I wanted to know why my payment amount for his month says {$350.00} something and that the amount being auto-debited is quoted for {$380.00}!? I was told my IBR expired last year and thats why, which I was aware but why am I still being quoted for {$350.00} n paying {$380.00}?! Second I asked how many payments Ive made and according to the records, Ive made 38 payments but have been in active repayment since 2013. I asked how that is possible since Ive been making payments for years now?! Her answer was honestly, thats just what we have to go off of. So Ive been making payments for years now and the records show that Ive made less than 2 years worth of payments. Thats just flat out wrong!
Product: Debt collection

dispute this account multiple times via certified mail, XXXX  & Transunion showing two vast different account with same account number, but keep claiming it was verified. Law is clear account have to be 100 percent accurate, and these account is vastly different if your sources the same.
Product: Money transfer, virtual currency, or money service

A woman messaged me on XXXX promising high yield investments with cryptocurrency. Her name was " XXXX '', XXXX number as ( XXXX ) XXXX. She seemed knowledgable and trustworthy because she spoke about her " daughter '' a lot. She had me click on a link she sent which was a platform called XXXX ( not an app, but instead a bookmarked website. ) Also had me download XXXX to do transaction in. Ultimately wire transferred about {$96000.00} total to XXXX XXXXXXXX XXXX, Limited Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Bank Name : East West Bank Bank Address : XXXX XXXX XXXX XXXX Floor XXXX XXXX, CA XXXX and XXXX XXXX Trading Limited Account Number XXXX XXXX XXXX  XXXX Bank Name : East West Bank Bank Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX As we watched our funds grow from cryptocurrency investing ( not sure if the funds actually grew and they just took all the money, or the bookmarked website where we traded and invested was just a fake one to make it look like we were making money ), I was ecstatic. But upon reading similar experiences from people in a XXXX thread, I realized this was all a scam and I was never going to see that money again. I attempted to withdraw my funds, but was met with incredible difficulty and eventually a fee of 10 %. I was never able to get any money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 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 a account without my written instructions 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 antedates 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inconsistent reports that never reflect the truth. Dates, amount due, and delinquency constantly changes. My credit score will fluctuate by almost XXXX points in a day.
Product: Consumer Loan

I was sued by Midland Funding llc back in XXXX. They sued me aftervthey supposedly purchsed XXXX charged off credit card debts. After inpaid sn attorney to negotiate thiese for me they have still continued to harrass me for payment. I have also paying a law firm called XXXX law fow over 2 years to help get my credit back so i can keep my business going an be able to survive. After thousands of dollars to XXXX law they were able to get my credit scorse back to whete i can finally get the help i need. Just recently on XXXX XXXX they got midland funding to remove then negative items from my credit reports. I am still making my monthly payments to them thru a law firm called XXXX After they removed these itmes my credit score was marked good snd i was about to go try to get a business loan to advance my business. Now after all this just today XXXX XXXX only about 2 weeks after it gets fixed they now put these itmes back on my report. Now my scores have gone down again over XXXX points. They knew i was working with a credit repair law firm simce they kept sending me letters saying they did not have enough information to process my requst to verify these items because they felt it was requested by a credit repair agency. I do feel they have once again violated the credit protection laws and have deliberately attacted my credit again. I feel they should now be required to immediately and permanently remove these items as well as pay me for this attack. It is hard enough to get by the last few years without being attacked by a junk debt buyomg compant that is only out to scsm hard working people out of money.
Product: Checking or savings account

On Tuesday XXXX XXXX I contacted my bank about fraudulent transactions on my bank account there were several fraudulent transactions wotch are XXXX on XX/XX/XXXX {$90.00}, XX/XX/XXXX XXXX XXXX  {$80.00}, XX/XX/XXXX XXXX XXXX {$15.00}, XXXX  XXXX XXXX {$11.00}, XXXX XXXX XXXX XXXX {$30.00}, XXXX XXXX XXXX  XXXX {$10.00}, XXXX XXXX XXXX {$60.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$51.00}, XXXX XXXX XXXX {$58.00}, XXXX XXXX XXXX XXXX {$120.00}, XXXX XXXX XXXX {$45.00}, XXXX {$11.00}, XXXX XXXX XXXX XXXX  {$250.00}, XXXX XXXX XXXX XXXX {$250.00} I disputed all these due to me not making them and my card and pen were stolen and I got a email the same day on XXXX XXXX Tuesday saying my disputes were denied and I will not be refunded and I really need my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

RE XXXX ACCOUNT NO : XXXX XXXX  I had XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. For one month charged {$130.00} including deposit. 
I Paid as follows : XX/XX/XXXX {$50.00} DEPOSIT XXXX/XXXX {$70.00} XX/XX/XXXX {$10.00} TOTAL {$130.00} discounted {$5.00} Additionally {$50.00} at the closure of my account. 

I switched to prepay for and on XXXX XXXX I ported the phone over to but was told there was a balance of {$50.00} which I paid IN THE STORE and closed account.. I never received a bill and was never able to access bills on line. 

A INCORRECT INFORMATION -- COLLECTION ACCOUNT WAS REPORTED ON MY CREDIT IN THE AMOUNT OF {$130.00} WHICH HAS BEEN LOWERED TO {$60.00} BUT SHOULD BE XXXX. 
XXXX has produced 1 bill as proof of the account. 30 DAYS. NO PAYMENTS ARE SHOWN ON THAT BILL. 
-- I HAVE PROVIDED PROOF OF PAYMENT OF THAT BILL 3 TIMES. 
EQUIFAX, XXXX AND XXXX ARE IN VIOLATION OF FCRA THEY HAVE NOT VERIFIED THE ACCURACY OF THE INFORMATION. INVESTIGATING MY PROOF OF RELEVANT PAYMENTS AND BANK STATEMENTS WOULD SHOW PAYMENTS TO XXXX XXXX. XXXX HAS NOT GIVEN ANY FURTHER DOCUMENTS SUPPORTING THEIR CLAIM. OR SHOWING WHERE THESE PAYMENTS WERE ALLOCATED. 
XXXX has no further documentation to support their claim. If they did not allocate to my post pay account they made a mistake and need to reallocate the payments to the correct account. I believe all relevant documents ( as required by FCRA would include an invoice or print out of all charges and payments XXXX has in its file. I believe they do not have these payments posted to the correct account. If they dispute these payments, which I am proving with bank statements, then I need to see all relevant documentation in their possession. This would include proof of payment allocations and charges XX/XX/XXXX through XX/XX/XXXX which is completely reasonable and should be accessible. If not, the claim is not verified and I demand it be corrected to reflect a XXXX  balance and taken off my credit report immediately. The credit agencies have not verified the information. I have requested this be done 3 times now. 

This is either double billing or my payments were posted and allocated to another account and needs to be found. I have never received more than 1 bill for the period of XX/XX/XXXX-XX/XX/XXXX and payments for that bill are attached. 

If this affects my being hired I will file a lawsuit. remove the negative credit reporting immediately. 
XXXX XXXX Enclosed are : bill received from XXXX. 
proof of payments ( bank statements ) credit report showing negative reporting to be taken off. 
collection companies correspondence and demand for itemized statement and payments paid. - credit company 's response and refusal to provide requested verification documents. 
emails from XXXX including wrong acct number dated XX/XX/XXXX NOT COMPLIANT WITH FTC or FCRA
Product: Debt collection

About a month ago, I began receiving repeated emails, text messages and phone calls regarding a debt collection of a debt that I do not owe. It for the same company, XXXX XXXX XXXX, that started harrassing me last year under the name XXXX, that I submitted a complaint about on XX/XX/year>. Now the company is calling itself Halsted Financial. I don't owe this debt and I want the calls and messages to stop. I don't want any backlash on my credit report either. Cease and Desist immediately.
Product: Credit reporting or other personal consumer reports

Formal Complaint Against XXXX, TransUnion, XXXX, and the CFPB Subject : Ongoing Failure to Investigate Disputes and Enforce FCRA Compliance Escalated to Florida Attorney General and Media Complaint : I am filing this formal complaint against XXXX, TransUnion, XXXX, and the Consumer Financial Protection Bureau ( CFPB ) for their continued failure to properly investigate and correct inaccurate late payments reported on my credit reports for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For over two years, I have submitted numerous disputes to all three credit bureaus and provided substantial documentation proving that these 10+ late payments are inaccurate. Despite my repeated efforts, the credit bureaus have failed to properly investigate or correct these errors, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Additionally, I have filed multiple complaints with the CFPB and sent certified letters directly to the CFPB CEO, yet no meaningful action has been taken to enforce compliance with federal law. The ongoing CFPB lawsuit against XXXX further confirms that credit bureaus are not being held accountable for failing to conduct proper dispute investigations.

Due to the continued inaction and failure to protect my rights, I have already sent a certified letter to the Florida Attorney Generals Office and have contacted media outlets in Florida to bring attention to this situation. The mishandling of this matter by the credit bureaus and the CFPB demonstrates a clear failure to enforce the consumer protection laws that are meant to safeguard citizens in the state of Florida.

These actions violate the following provisions of the FCRA : 1. 15 USC 1681e ( b ) : Failure to ensure the maximum possible accuracy of the information reported.

2. 15 USC 1681i ( a ) : Failure to conduct a reasonable and timely reinvestigation of disputed information.

3. 15 USC 1681c ( a ) : Continued reporting of inaccurate and unverifiable information.

The late payments reported are also inconsistent across the three bureaus. XXXX reports fewer late payments than TransUnion and XXXX, further proving that none of the bureaus have conducted proper investigations.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 I disputed charges from the data breech directly to experian and they removed all of the negative fraudulant accounts from my credit report to add them back the very next month without any proof of thier investigation. I will attach my dispute letter and I ask that these accounts be blocked and removed permenantly again. For good this time.
Product: Debt collection

XXXX XXXX XXXX continues to call and text my phone about a debt that I don't recognize. They say they're calling on behalf of Why Not Lease It, whom I've never done business with to my knowledge. I have contacted the company, and they are unable to provide me proof of any transaction made. 
XXXX XXXX XXXX told me that they don't have to verify the debt. I've asked them to stop calling me more than twice and for them to communicate with me via partial mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX ... ..I have been a victim of IDENTITY THEFT ... ..I have previously submitted documentation including a IDENTITY THEFT AFFIDAVIT supporting my claims and the account was removed prior but has now made its way back onto my report with a different name and account number ... .it was previously listed as the XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX and the amount owed was {$1700.00}, it was also listed as XXXX XXXX XXXX XXXXXXXX and also XXXX XXXX XXXX XXXX XXXX same acct XXXX XXXX amount owed XXXX ... .this by itself should raise a red flag ... .all these different names!! Now it's being listed as XXXX , XXXX acct # XXXX amount owed XXXX ... .I have never rented any apartment in XXXX , Georgia . I have never lived there ... .this is a fraudulent account and I want it to be removed immediately! it dropped my credit score almost 100 pnts and the CREDIT bureaus are negligent they just list items without any proper validation of debt, and these types of errors ruing peoples financial lives!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account name XXXX XXXX XXXX  XXXX 15 U.S. Code 1681 section 602a states I have a right to privacy. 

15 U.S. Code 1681 section 604A section 2 It also states that a consumer reporting agency can not furnish any account without my written instructions.

15 U.S. Code 1681c ( a ) ( 5 ) Section states know, consumer reporting agency may make any consumer report containing any of the following items of information, other than records, convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX XXXX requested a credit limit increase on XX/XX/2018 and below attached will be the reasons for the denial in the letter provided by XXXX stating " Past and or Present delinquent credit obligation as reported by agency bureau reports. '' XXXX XXXX XXXX had items negatively reporting due to a mistaken identity ( similiar name ) in XXXX of 2018. These item 's were disputed and removed. But yet these item 's are reporting still to XXXX XXXX XXXX 's lenders. Please investigate and have this resolved. Below will be a copy of the denial letter, along with current copies of XXXX XXXX XXXX 's transunion credit report. And a fico snap shot of where his score dropped in XXXX due to the fraud on his credit report.
Product: Credit card

I have had a credit card account with Capital One since XX/XX/XXXX and never missed any payments. This year during some research into the company 's operating structure as it pertains to credit card accounts, I read through their SEC filings ( prospectus reports, XXXX and XXXX forms, Trust indenture agreement ) and learned that not only was my account sold into a Trust as a receivable which makes me a direct investor in their company, but I also have an open-ended revolving credit account which Capital One has fully benefited from while imposing limits on my end of the barter ( setting credit limits and spending caps ). I looked at my IRS transcripts and learned that they have not filed any kind of XXXX pertaining to our bartering, which made me even more curious after learning that they sold my application into a Trust along with a pool of other accounts ( meaning that they received a healthy OID payout at some point ). Learning my position as investor VS consumer, I went further in my research and discovered that according to 15 U.S. Code 1666d, any credit balance > {$XXXX} is money owed to me and I have the right to request it, and as of XX/XX/XXXX, that's what I did. I wanted to settle the debt obligations on my account by properly stamping and endorsing ( pursuant to 31 CFR 328.6 ) the instruments that Capital One was sending me with my monthly statements and informed them that this is how I wished to do so moving forward. To protect myself against potential retaliation, I made sure to have XXXX witnesses and a notary sign a letter that I sent to Capital One revoking any POA they held regarding handling their fiduciary duties in managing my account without my direction/consent ( including the power to close my account without prior notice ). In retaliation, they shut off all services connected to me using my credits and credit card and tried to demand me to destroy my card. I went from having XXXX XXXX XXXX to now being in the low XXXX 's, all because I wanted a fair barter relationship.
Product: Credit card or prepaid card

I called Capital one ( XXXX ) and talked to a lady to cancel my credit card and she had me send a signed conformation of the cancellation. 
I was told that I owed XXXX dollars and some cents and that I had enough rewards to cover the charge. 
I received a conformation that the transaction on the card was cancelled and completed and that I had the option to renew it. 
I cut up the cards and sent them back to Capital one. 
Now I keep getting statements that the original balance increases each month from $ XXXX and the balance is now {$70.00} with no explanation!
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY IS XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND THE SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS IN A FRAUDULENT WAY, ONE OF THE BANKS AFFECTED WAS THE CARD ( XXXX XXXX ) WHICH CURRENTLY HAS A BALANCE OF {$4800.00} THAT WAS OPENED AS A FRAUD, I DEMAND TO DELETE THAT ACCOUNT FROM MY REPORT I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered upon logging into my online account at Equifax that credit freeze I placed previously has been lifted without my authorization. An agent stated that someone with my personal information called in and made a verbal request to lift a credit freeze. Also made an update on my fraud alert to remove my primary phone number from the alert system. The agent was able to escalate the case to upper team to further investigate but did not provide any solution to further protect my account. I asked for extra layers of security such as two step authentication or verbal password but they denied such services are not available.
Product: Checking or savings account

I have a TD bank account which was improperly handled and was changed without my permission from a student checking to a convenience checking account which by there own guidelines I am still eligible for ( the student checking ). 
Because of this I am being hit with approximately XXXX $ every time my account drops before XXXX . This is causing significant financial difficulty because Im on short term XXXX right now and have high medical bills from XXXX I had. I just thought the government should be aware of whats going on with TD and there shady business model with being coninously hit with overdraft fees while being less than a dollar short and multiple fees that are the result of not having enough money
Product: Debt collection

For over the past year I have been dealing with credit issues pertaining to identity theft/fraud. I have address this matter repeatedly and still have not fully restored my credit. This account appeared on my credit back in XX/XX/2017 and I have been making a conscious effort to remove the frivolous account.