23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX. Account # : XXXXXXXX XXXX XXXXXXXX. Account # : XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXXXXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Im not liable for this debt with XXXX XXXX XXXX. I dont have a contract with lockhart morris and Montgo . They did not provide me with the original contract as requested.
Product: Debt collection

I have sent letters to this debt collector and they are attempting to collect on a debt not authorized by an original agreement. They have not produced any agreement that shows that I owe a debt yet they are continuing to collect on a debt, fees, interest, and costs not authorized by an an original agreement. They have also threatened me with legal action that they can not actually take and I feel very harassed. Additionally, they have failed reported inaccurate information to my credit report including, but not limited to failing to update the credit bureaus to state consumer disputes. I am requesting that your office please investigate this matter I am a XXXX citizen and this is causing me a lot of anxiety spending all of these countless hours trying to fix the mistakes of this company tying to collect on a debt that a contract does not even exist for. I am requesting that none of the companies listed contact me by telephone and communicate with my authorized representative only.
Product: Credit card or prepaid card

I contacted your CEO at XXXX on XX/XX/XXXX at XXXX CST about a pay for delete. My email was read 5 minutes after sending it and a total of 9 time since that day. I simply asked for a pay for delete to satisfy my debt owed. I received a letter dated XX/XX/XXXX saying that XXXX has taken over my account. I feel like this is a COMPLETE slap in the face and you guys did not even give me an opportunity to make this right even after reaching out in good faith. Since my email was read why didn't I get a response? I have personally read responses from you guys about other consumers pay for deletes and removals of late payments. Why didn't I get the same treatment? Now you guys have sold my account and that will be added to my credit file which is going to affect my credit score even more. 

I even sent a certified letter to you guys on or about XX/XX/XXXX and the response I get is a pure slap in the face.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XXXX on XXXX, I called ( XXXX ) TransUnion and spoke with a XXXX XXXX regarding a dispute I submitted regarding a Bankruptcy that theyre reporting. XXXX advised that we verified it with the court so it remains as accurate. When I asked for specific information ( method, party whom they communicated with etc ; ) on the verification method they used for this, she told me she could not give me that info because it was internal. When I asked their escalation process, she advised me that the only thing that I could do is file a complaint with the FCC.
Product: Debt collection

I began getting really harassing calls by ACE Cash Express, but it turned out to be a person working on behalf of them threatening to sue me and saying that I will be subpoenaed within the hour and all my bank accounts frozen. Then she was extremely aggressive to take payment and I told her I cant afford to pay off the loan. She then said my only option was biweekly payments of {$470.00} which is outrageous and I cant afford but of course I accepted because I cant afford to pay lawyers and go to court. I just want to make lower payments but she didnt care to listen. If theres anything that can help me please let me know, I could barely afford food right now.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a debt reported by XXXX XXXX XXXX for {$390.00} on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine. I have recently obtained a copy of my credit report from XXXX, XXXX, and Equifax, and I was surprised to find an entry for a debt from XXXX XXXX XXXX listed as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with XXXX XXXX XXXX. I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights. In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt. Verify that XXXX XXXX XXXX has followed all required legal procedures in attempting to collect this alleged debt. Confirm that XXXX XXXX XXXX has complied with all relevant statutes of limitations pertaining to the collection of this debt. Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt. I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting. Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law. 

I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within 7 days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within 15 business days. Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital One 's Failure to Deposit my direct deposit from my emploeyers and any other incoming deposits, Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it required timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investigation this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up complaint to a complaint I previously filed here. Experian claims that they fixed the error but I was notified by Experian XX/XX/XXXX that my report is updated and it showed the error again - further Experian is the only credit reporting agency that is showing my sisters creditors on my report and they are preventing me because of this error, to get a refund on my home
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX VIA DEALER ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX VIA DEALER ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I recently check ed my credit report. I have inquiries and other accounts on my credit report that does not belong to me. 
* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have consistently made timely payments for 6 years, demonstrating my commitment to responsible credit management with this bank and credit card. However, I hadnt used my credit card for quite a while and had misplaced it. I completely forgot about the credit card payments since I wasnt receiving any late credit card notices until XXXXXXXX XXXX XXXX which I immediately contacted the billing division, paid my bill in full, and asked to have my credit card account closed. I had moved to a new address and probably forgot to inform the billing division. This could also have been an issue with communication via mail. 

Ive never had any late payments in my credit history. My credit score has been consistently above XXXX. I tried to buy a car, but I could not do it due to my credit score/history. I have been a XXXX for my mother, who is XXXX and has an XXXX XXXX XXXX XXXXXXXX and other medical issues. I need a reliable car to go to work and take my mother to the doctors appointments. I also have a daughter who needs a car to commute to college and needs a co-signer. My daughter 's father passed away years ago, and I am the only parent she has. 

I am confident that this isolated late payment does not accurately reflect my creditworthiness.
Product: Debt collection

Good day, I can not overstate how distressing and frustrating this situation has been. Discovering an unverified debt that I have no knowledge ofone that simply does not belong to mehas been overwhelming. To make matters worse, I have been bombarded with harassing communications through various channels, accompanied by unwarranted threats of legal action. This has been an incredibly upsetting experience as a law-abiding citizen, and I feel that my rights as a consumer are being blatantly disregarded. This ordeal is taking a significant toll on my mental health, causing sleepless nights and ongoing XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience where Experian has neither corrected or removed disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

These are the accounts that are inaccurate XXXX 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

Compliance with FCRA 605B requires the eradication of inaccurate accounts from my credit report. Could you please examine the documents? Certain listed accounts demonstrate reporting inaccuracies and must be eliminated without delay.
Product: Credit card or prepaid card

On XX/XX/2021, I purchased a XXXX dishwasher in the amount of {$1300.00}, order number XXXX from Home Depot in XXXX TX,XXXX. The appliance was set for delivery on XX/XX/2021, On day of delivery the appliance was damaged, I refused delivery, and cancelled the order. I was advised by Home Depot Credit Card services, which is adminstered by CItibank, that I could not receive a refund on my Home Depot credit card until the damaged appliance was returned to the manufacturer and that I would be obligated to pay the credit card balance until the appliance was received by XXXX XXXX the manufacturer. It seems predatory to charge someone for a product they never received. The refund should be automatic to my Home Depot credit card, the appliance returned to the store of purchase and Home Depot should return to manufactuer. In addition, I am XXXX years old was never advised of this credit policy and no where on the purchase contract does it state this policy.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

This is my second attempt to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a request to investigate the accounts below due to inaccuracys. I received a response from TransUnion stating both accounts have been verified and are accurate. I disagree with this decision and I would like a detailed explanation on how these accounts where verified and the process used for verifying these accounts. If this can not be provided please remove these accounts listed below. 

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

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXX Bank Late PaymenXXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX Bank I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( XXXX ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Debt collection

XXXX XXXX has failed to verify the debts in question. I've been asking for verification of the said debt as my youngest child is XXXX years old and I have not shopped for her at a XXXX 's XXXX  is many years. Every piece of furniture in my old is from a deceased family member and I can't tell you the last time I stepped into a XXXX XXXX XXXX. I've been asking for proof as these may be debts established by my ex husband. Proof of my attempts will be attached.
Product: Money transfer, virtual currency, or money service

I purchased a product via XXXX website. The website insisted on using PayPal ONLY. The amount in question is $ XXXXUSD. 

My complaint is with PayPal for knowingly facilitating Fraudulent acts on the US consumer. 

What happened : XXXX ( or the XXXX company using XXXX ) purposely entered an invalid address : " XXXXXXXX XXXX XXXX XXXXXXXX '' They shipped something via USPS and claim that it was delivered. They gave me a USPS tracking number ( XXXX ) which showed that the USPS determined the package was sent to a non-existent address and that it was returned to sender. 

I filed a report with PayPal twice and was rejected both times, with PayPal stating that the item was " delivered '' and, by way of proof, provided this same USPS tracking number, which shows that the item was delivered to the original sender. 

I don't know what the XXXX company sent, for all I know it could have been an empty box, since it was returned to them by USPS and never delivered to me. By accepting an order and then pretending to deliver, they are committing fraud. By failing to rectify the situation and to continue to support XXXX despite having clear evidence to the contrary, PayPal is facilitating such fraud. The fraud would not be possible without PayPal 's facilitation, hence the seller 's insistence on using PayPal as the ONLY form of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$35.00} ; Medical XXXX Balance : {$33.00} ; XXXX  XXXX Balance : {$35.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.