23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX/XXXX/2015 I sent a letter to Central Financial Control informing them they were violating my rights afforded by FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as " OPEN '' and requested they correct their reporting. 
As of XXXX XXXX, 2015 I pulled my credit reports and Central Financial Control has not updated the status. 
This incorrect reporting is causing harm to my creditworthiness through several scoring models and needs to be removed. 
This was medical debt that should have been paid by insurance, that I did not receive any notice of until it showed on my credit report. I immediately contacted the company and paid the debt, yet it still continues to show as an open and active collection account with a {$0.00} balance.
Product: Payday loan, title loan, or personal loan

wanted to make payments using a different payment method. I was told i could not also called and asked if i could switch the payment due dates, to make it more convenient for me to make payments on this loan. They insisted i could not.
Product: Debt collection

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. BAY AREA CREDIT SERVICEXX/XX/2023 {$6600.00} 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 or other personal consumer reports

The underlying company Synovus First Digital currently appears on my XXXX, XXXX, and XXXX Credit Report as an account I did not open. It was open due to identity theft in which XXXX, XXXX, and XXXX has forwarded theft documents receive from me to Synovus First Digital early XX/XX/year> in which they have not complied under Federal law Fair Credit Reporting Act as it relates to identity theft. I have tried every possible way to resolve this matter amicably with Synovus First Digital. As Synovus First Digital have violated federal law, by not providing the credit bureau XXXX, XXXX, and XXXX XXXX reporting agency notice to have there company name removed from my credit report due to identity theft. If this matter persist I will would be seeking compensation in damages per violation, ( Defamation, Negligent Enablement of identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3.
Product: Credit card or prepaid card

Did n't know that they would do a hard credit check
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX opened on XX/XX/XXXX XXXX {$330.00} opened on XX/XX/XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX {$1300.00} opened XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX ( this is listed twice ) XXXX XXXX {$1400.00} opened XX/XX/XXXX XXXX  XXXX {$530.00} opened XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME, XXXX, Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Trans Union, XXXX, XXXX ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 


XXXX XXXX XX/XX/XXXX
Product: Debt collection

Re : Complaint Against Source Receivables Management for Violating Consumer Rights Dear CFPB, I am writing to file a formal complaint against Source Receivables Management for their persistent violation of my consumer rights under federal law. They have failed to comply with the legal requirements of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the regulations enforced by the Consumer Financial Protection Bureau ( CFPB ). 

Details of the Complaint : Creditor : Source Receivables Management Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Account Number : XXXX Disputed Reason : Failure to provide debt validation, continued reporting of unverifiable debt, and non-compliance with communication preferences. 

Violations : Fair Credit Reporting Act ( FCRA ) Source Receivables Management has reported inaccurate and unverifiable information on my credit report. Despite my request for validation, they have not provided any documentation to substantiate the debt, thus failing to ensure the accuracy and fairness of the information reported. 

Fair Debt Collection Practices Act ( FDCPA ) As per FDCPA, I requested validation of the debts from Source Receivables Management. They are required to cease collection efforts and remove the collection accounts from my credit report if they can not validate the debt. However, they have continued to report these unvalidated debts, which is a clear violation of the FDCPA. 

Fair and Accurate Credit Transactions Act ( FACTA ) FACTA allows me to dispute inaccuracies in my credit report. Source Receivables Management 's failure to validate the debts makes these accounts inaccurate, and their refusal to correct these inaccuracies is a violation of FACTA. 

Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB enforces regulations to ensure fair treatment of consumers by financial institutions. Source Receivables Management 's failure to validate the debt and their continued reporting of unverified information constitute a violation of these regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before all my accounts where absorbed by XXXX, they were deferred, so its Impossible that there was a late payment on XXXX 2015. Most likely what happened is that because of the big change from us XXXX XXXX XXXX XXXX XXXX to XXXX exactly around that time, my information kept being published from the old lending office in charge. Well, my accounts had been deferred pretty much since I graduated, now its showing that I mysteriously had a late payment on XX/XX/XXXX for 90 days when until July everything in good standing as well as XX/XX/XXXX and so on, this just makes no sense at all. 
Please remove late payment reporting on all of my student loans accounts, its hurting my credit report / score, also my life very bad. 

I just got married, have an XXXX XXXX old baby, got seriously affected with XXXX XXXX, and Im trying to live a Healthy credit life, I sincerely request you to help me with this, thank you very much! 
XXXX
Product: Debt collection

TODAYS DATE:XX/XX/2019 ATTENTION DISPUTE DEPARTMENT NATIONWD REC XXXX NWIDE RECVRY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious NATIONWD REC XXXX NWIDE RECVRY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1979 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Checking or savings account

On XX/XX/2023 I hired XXXXXXXX XXXX XXXX XXXX to assist in my move. I was quoted $ XXXX prior to my move. Being that this was my first time hiring movers I was unaware that they were supposed to be doing all of the work. When they arrived to the apartment I was moving out of, I immediately started helping them load their truck with my boxes because they showed up 4 hours late. I have bruises on the palms of my hands from the heavy lifting I was doing. When we arrived to my new apartment ( XXXX ) and it was time to unload the truck I was asked to pay {$1700.00} or I was not getting my belongings from them. I asked them to clarify the charges and to explain to me why I was being charged almost quadruple the price I was quoted and they proceeded to tell me this happens all the time. The lady who gives quotes misquotes often. I tried calling and texting her and their general manager and I got no response! 
So after paying them ( they only accepted XXXX ) They left and they did not complete their job. I was told that furniture assembling and dissembling was included. But before they brought everything into my apartment they pulled a fast one, and left!!!!. They left my personal belongings outside damaged including my mattress and bed that I was supposed to sleep in that night. They left without a word and my number was blocked! 
Ive tried calling everyone number linked to their company and Im not getting a response.
Product: Money transfer, virtual currency, or money service

I was selling a product on XXXX XXXX, person 1 agreed to buy itXXXX XXXX The following is through XXXX XXXX We had various conversations through email until they agreed, after them sending the money i received an email saying i had to upgrade my account to a business account and other deposits. The email was made to look like it came from XXXX themselves, after {$500.00} was lost via this, i called XXXX as i never received the payment that the amount was for, and they confirmed that it was fraud from them using the company face and pretending to act like customer service. Several peoples were involved in the scam project ( or i was led to believe so ) after filing a claim with my bank they denied it, and after reopening the case and providing even more documentation and evidence, they denied it once again despite XXXX confirming it was fraud and me having evidence. They can no longer open the case and refuse to dispute for my {$500.00} back.
Product: Checking or savings account

My phone was stolen on XX/XX/XXXX on XX/XX/XXXX. I was first able to log back into my online banking account at wise.com. I discovered extensive fraud which overdrafted the account. I immediately reported it to wise.com. I was told I would be contacted by their XXXX support team within XXXX business day. I was interviewed by an agent online and provided all of the information about the theft of the phone and the fraudulent transactions on XX/XX/XXXX. I was told that the XXXX would be removed and my balance restored in the account within XXXX or XXXX business days. It has been XXXX days. I am currently traveling abroad and it is my only access to money. I have repeatedly contacted wise.com and told them it is an emergency and to escalate the, correction of the account and removal of the fraud. I have yet to receive a single communication from their fraud team, and the fraud has not been removed from my account nor my original balance restored I have been told XXXX times I would be contacted by a XXXX from their Fraud team, and I have not been contacted in XXXX days. This is an emergency and I do not even have proof that they are investigating the fraud or any statement as to when the account fraud will be removed and my balance reinstated for use
Product: Credit reporting or other personal consumer reports

I have disputed with Transunion and was told XX/XX/2023, that the said debt with XXXX would be deleted from my credit file XX/XX/2023 it has been removed from XXXX and XXXX but is still fraudulently reporting on Transunion which they are in violation of doing so
Product: Credit reporting, credit repair services, or other personal consumer reports

one XXXX BANK ACCOUNT NUMBER XXXX date opened XX/XX/2017, this account is not mine, and is reporting under my equifax credit report. i have disputed many times and they have been playing me around, they keep saying it has been verified, the creditor itself does not have this information i don't even know where they have verified with, please i will be attaching my police report, i have provided this to equifax as well, i need your help to removed this from equifax credit reports thank you
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion and Blocking of Accounts and Inquiries Due to Data Breach I am writing to formally notify you that I am a victim of a data breach and request the immediate blocking and deletion of the following accounts and inquiries from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which provide the right to remove fraudulent or unauthorized information resulting from a data breach. 
The following accounts and inquiries have been compromised as a result of the data breach, and I respectfully request that they be deleted and blocked from my credit report : Accounts : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$630.00} Inquiries : XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXXXXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXXXXXX  : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXXXXXX  : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I had filled out an identity theft report to remove the accounts in attached dispute letter. I have never authorized or consented this information to be on my consumer report therefore it is identity theft.
Product: Money transfer, virtual currency, or money service

Paypal is the company that has been trying to get me to pay them XXXX. This occurred around XX/XX/2024.

I was scammed and there was not any merchandise sent to me. I alerted Paypal and my bank immediately upon learning this was a scam. Paypal said they could not do anything about it. I told them do not give this person any money that was scamer, it was a scam and the scammer was using PayPal. They refused to go after the person that had the account that they sent money to. I was told to submit a dispute, which I did, on their site. There was not any type of security plan to follow. I was told to file with the IC3, which I did. 
The answer from Paypal was I should contact the seller and see if they would refund the money. Which was no help at all. It was a total scam. 
Paypal had their email and their account information but refused to follow up on the issue. 

I had notified my bank and they declined any money to Paypal as it was a fraud account where no merchandise was exchanged. 
I have explained to paypal several times now of what has happened and they just said they can't do anything. That I would owe them the money.
Product: Credit card or prepaid card

I purchased a watch in XXXX of XXXX I financed using the interest-free finance plan advertised at the store. The issuing credit card company ( Comenity Bank ) set up my automatic payment with the understanding that I wanted to pay in the time frame allowed to take advantage of the interest free financing. For over a year, I paid the required amount on a monthly basis ( it was {$130.00} a month, due on the XXXX of the month ). My last payment was much smaller, the final balance was {$15.00}, which was also paid via automatic payment on XX/XX/XXXX. 

On XX/XX/XXXX, I received notice that the balance was paid. 

On XX/XX/XXXX, I signed into the account to make sure that it was closed. I found a balance of {$200.00}! 

I called Comenity Bank and they told me that the " window '' closed on XX/XX/XXXX and because I had a balance of {$15.00}, they were charging me {$200.00} in finance charges! 

They agreed that they set up the due dates and automatic payment and they acknowledge that the due date and automatic payment was set up 4 days after the " window '' - so that I would be hit with the late charges. 

Several customer service reps agreed on the phone that this was ludicrously unfair, but state that they could not help me. Eventually I found a manager that granted me a {$50.00} credit, because she also understood that this is grossly unfair. That is not an adequate solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XX/XX/XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX Account Name : CAPITAL XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that are unfamiliar ; that I did not perform credit checks for. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX