23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I cancelled this flight on XX/XX/year>. I have not received the refund as indicated on the screen shot, I took from the XXXX XXXX site, that started that I would receive a Refund of {$850.00} USD. - " I sent them I copy if this document ''. Why have I not received my refund? The credit card company- Barclays- is still trying to charge me for this. Now my credit score is being affected plus they are Charing me interest of the flight I cancelled. I have received info showing that XXXX agrees that I cancelled the flight and that I WAS NOT a No Show, that was their fault. I have been trying to resolve this issue now for several months and I keep getting the run around. I just what to know what I have to do, or who I need to contact to get this resolved. Please Help!! Thanks.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

Robinhood lied to Congress about their lack of support system and that has not changed. Trying to deactivate your account is hard coded to fail and sends you to an email form. I have demanded multiple times that I no longer authorize this account and they refuse to comply.
Product: Debt collection

I am a victim of fraud/identity theft. Sometime in XX/XX/2020 someone applied and received an individual loan IAO {$2300.00} under my name from AVIO Credit XXXX in XXXX, Kansas. The account went to a collection agency, XXXX XXXX XXXX XXXX, on XX/XX/2020. The account showed up on my credit reports when I checked XX/XX/2020 and I realized I had a fraudulent account IAO {$2300.00} in collections. I have disputed this account with XXXX, XXXX, and XXXX  and placed a security alert on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian and XXXX after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to Experian and XXXX on XX/XX/22. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that this account will be corrected. 


XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I HAVE SENT THIS INFORMATION TO TRANSUNION OVER AND OVER AGAIN. THEY CONTINUE TO LIE AND SAY THEY NEVER RECEIVED IT.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX. On the XX/XX/XXXX XXXX, the billing cycle closed on XX/XX/XXXX with payment due on XX/XX/XXXX. On the XX/XX/XXXX XXXX, the billing cycle for closed on XX/XX/XXXX with payment was due on XX/XX/XXXX. However, on XX/XX/XXXX Statement, it shows that a LATE PAYMENT FEE was placed on the account on XX/XX/XXXX. This late fee was placed on the account before the due date for XX/XX/XXXX payment was due before the ending of billing cycle for XX/XX/XXXX. As such, the subsequent XXXX XXXX XXXX for XX/XX/XXXX is completely inaccurate. Additionally, TransUnion is reporting that the XXXX XXXX of the Account is 60 Days late. XXXX is reporting the account as 30 Days Late. Neither of these are accurate. On the XX/XX/XXXX XXXX, the billing cycle closed on XX/XX/XXXX with payment due on XX/XX/XXXX. On the XX/XX/XXXX XXXX, the billing cycle for closed on XX/XX/XXXX with payment was due on XX/XX/XXXX. However, on XX/XX/XXXX Statement, it shows that a LATE PAYMENT FEE was placed on the account on XX/XX/XXXX. This late fee was placed on the account before the due date for XX/XX/XXXX payment was due and before the ending of billing cycle for XX/XX/XXXX. As such, the subsequent XXXX XXXX XXXX for XX/XX/XXXX is completely inaccurate. 

Additionally, TransUnion is reporting that the XXXX XXXX of the Account is 60 Days late. XXXX is reporting the account as 30 Days Late. Neither of these are accurate.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 


This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of $ ( XXXX ) that appears related to the aforementioned personal loan account opened at Lending Tree. 



These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/XXXX of XXXX, I received a letter in the mail from Portfolio Recovery Associates LLC Account Number- XXXX they have attempted to state I owe them a debt incorrectly. As of XX/XX/XXXX XXXX I am contacting them to inform them of my consumer rights under federal code 15 USC 1692k and 1692CA. This company is more interested in verifying my information instead of understanding my federal rights. I have never given consent to this company to contact me over a debt and there is not a good time to discuss this debt. I want this company to cease and desist from contacting me and not report to any credit reporting agencies, and I want to know how they got additional information 15 USC 1692B. I am also requesting a visual contract with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR EQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Equifax and XXXX have put XXXX credit back on my credit file the court judgment was final in XXXXThey attempted to sue me and I had a lawyer they voluntarily dismissed the case and it was removed from my credit file. Now once again I see them back on my credit file this year reporting out of no where!! which has caused my credit score to drop tremendously is what the intent of the collection agency to do. They tried to sue but I obtain a lawyer and the case was dismissed by them voluntarily how then are you sneaking it back on my report??
Product: Checking or savings account

I have about $ XXXX missing from my accounts and I can not get bank of america to respond in any formal way
Product: Mortgage

On XX/XX/XXXX, I was charged {$490.00} for an appraisal. 

On XX/XX/XXXX, XXXX XXXX promised to cancel refinance and refund appraisal fee for appraisal which never occurred. 

XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX ignores consumer pleas as to lack of refund.
Product: Credit reporting

I already sent CoreLogic Credco a legible copy of my passport and utility bill. 

They refuse to send a copy of my consumer report as requested.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the XXXX XXXX account on my credit report, which is inaccurately listed as a charge-off with a balance of {$3700.00}. This account contains numerous discrepancies regarding the balance, past-due amount, payment history, and overall account status. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., all information reported to credit bureaus must be accurate, complete, and verifiable. XXXX XXXX has failed to meet these standards and has not provided proper validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( b ). Specifically, XXXX XXXX has not provided a legally binding agreement that includes my authentic signature and full Social Security number to validate my obligation to this debt. Additionally, I am invoking my rights under FCRA, 15 U.S.C. 1681i ( a ), to request that the credit reporting agencies verify the accuracy and validation of the information being reported by XXXX XXXX. This statute obligates credit reporting agencies to investigate disputes and confirm the validity of the reported information with the data furnisher. Under 15 U.S.C. 1681s-2 ( b ), XXXX XXXX is required to conduct a thorough investigation of the dispute and correct or delete any inaccurate, incomplete, or unverifiable information. The charge-off designation and other details, including the past-due amount of {$1300.00} and payment history, remain unverified and are inaccurate. Without proper validation and documentation, this account can not be legally or accurately reported, and its continued presence on my credit report constitutes harm to my creditworthiness and reputation. A fair resolution to this issue would require the immediate deletion of this account from my credit report due to these inaccuracies and the lack of validation. If XXXX XXXX can not validate this debt with accurate and complete documentation, including a signed agreement with my authentic signature and full Social Security number, I request that the account be permanently removed from my credit report. If the account can not be deleted, I demand a full investigation into all reported details, including the balance, payment history, and account status, and that any inaccuracies be corrected. Failure to address these inaccuracies may result in further escalation, including legal or regulatory action, to enforce my rights under the FCRA and FDCPA. I trust that this matter will be resolved promptly and look forward to written confirmation of the results of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although my credit report correctly reflects payments made on time for each month within my credit file, TransUnion continues to report a negative payment status and negative worst delinquency of 120 days past due for XXXX XXXX XXXX Acct # : # XXXX. I am not sure if TransUnion has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative status and worst delinquency information that continue to be reported by TransUnion are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that TransUnion make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX because i noticed a 4 year old account that has been closed and charged off all of the sudden shows reopened and missing 1 payment. They stated the company Toyota motor corp stated that the account it open. I then called Toyota motor corp and they stated that they sold off my account and gave me a number. I called the number and was told they do not have it either. I called Toyota back and was given the run around again and told i must mail them a letter if i want any answers. I dont get why after giving them their car back and trying to fix my credit for 4 years they can all of the sudden do this and drop my score XXXX points
Product: Debt collection

My credit report has an error. XXXX XXXX reports that my account with XXXX was opened in XXXX, 2013 ; this is incorrect information and may negatively affect my credit. I wish this incorrect information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status..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

Experian will not remove closed or paid accounts by lenders that are paid off.
Product: Debt collection

I contacted XXXX XXXX XXXX company in regards to my account that was charged off. They informed me to contact the Client Services a  collection company that they sold my account to, so as I contacted the Client Services we agreed on a settlement and they was supposed to draft it out of my account. Days went by and, I noticed that they didnt draft the funds from out my account so immediately gave them a call and they then informed me that they no longer have account in there system because it was fraud on the account so they sent it back to XXXX XXXX. So I contacted XXXX XXXX again for the second time and told me the same thing that sold my account to Client Services I explain to them what the company told and the agent told me to allow her sometime to look deeper in my file and then she came back and told me to call back on the XX/XX/XXXX because the system will be updated by then. On XX/XX/XXXX I called back to XXXX XXXX and now they are telling me that they no longer have my account it was sold in XXXX and they dont have the company name they sold it to. When I asked the agent can she send me a letter in the mail stating that they no longer have my file and they not sure what company it was sold to she acted like she couldnt understand me and then hung up the phone on.
Product: Vehicle loan or lease

Subject : Urgent Request for Revocation of Security Interest Dear J P Morgan, I hope this letter finds you well. I am writing to bring to your attention a matter of utmost urgency regarding the security interest associated with my property. The company has recently repossessed my property. I have already revoked my security interest before the repossession took place. J P Morgan has not cooperated in revoking the security interest promptly. 

In light of this, I kindly request a thorough review of my account and the associated security interest. It is imperative that we address any discrepancies or concerns to prevent the unfortunate circumstance of repossession. 

Should this matter not be resolved satisfactorily, I want to make you aware that I am prepared to escalate the situation further. I am prepared to request a XXXX XXXX audit over my account to ensure transparency and clarity in the handling of this issue. 

I believe in an amicable resolution and trust that we can find a solution that benefits both parties. Your prompt attention to this matter is greatly appreciated. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing to formally file a complaint against a debt collection agency, TSI, which contacted me on [ insert date of call ]. The agency representative, calling from XXXX, used aggressive and threatening tactics to attempt to collect a debt that I am not legally responsible for. 

The debt in question relates to an XXXX XXXX business account, where I was listed as an authorized user. I was an employee of the business and was issued a card solely for business purchases. I did not open the account, nor was I the account holder. The account holder was my former employer. 

During the call, I informed the debt collector that they had the wrong person and that I was not liable for the account 's debt as I was merely an authorized user. The representative insisted that I was responsible for the portion of the charges made under my card and stated that if I did not pay, XXXX XXXX would pursue legal action against me. 

The representative 's approach was not only misleading but also intimidating. They used predatory and scare tactics to pressure me into agreeing to pay a debt I do not owe. This behavior is unacceptable and violates my rights as a consumer. 

I am requesting that the CFPB investigate this matter to determine whether TSI has violated the Fair Debt Collection Practices Act ( FDCPA ). Their use of harassment, misrepresentation, and threats to coerce payment from a non-responsible party appears to be a clear violation of the law. 

Thank you for your attention to this matter. Please let me know if additional information is required.
Product: Credit reporting or other personal consumer reports

Reported incorrect addresses listed and these addresses were not removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX don't and have never lived at the above addresses. 

The following jobs were listed, but I do not know or have ever been associated with either job! 

XXXX XXXX XXXX XXXX XXXX XXXX  I do not recognize the above listings as any previous employer of mine!
Product: Checking or savings account

I believe this company closed my last case claiming fraud in reality. Theyre not trying to give me my money back. Ive heard alot of complaints about this company regarding the same issue. There is no fraud and for Goldman Sachs to assume such frivolous ideas is uncalled for. You guys never bothered to contact me not once. Thats very unprofessional. Spoke to customer service already and was told my account was being closed. I was okay with that and asked where are my funds going to go. Once again i was told theyll be transferred to my linked external account. I have a recording of that conversation between a rep of Goldman Sachs and i. I recorded it because i knew they were going to pull this mess. I havent seen a penny of my {$500.00}.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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