23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to you with a matter of utmost urgency and concern regarding fraudulent accounts that have stained my credit report. Despite previous disputes and attempts to rectify this issue, these fraudulent entries persist, adversely affecting my creditworthiness and, consequently, my ability to provide a better opportunity for my family. 
XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX PLEASE DELETE!!! 
It is disheartening to see the continued presence of these fraudulent accounts on my credit report, considering the significant efforts I have made to prove their illegitimacy. I understand that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of credit reporting, and I am confident that your bureau will take immediate action to address this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I fully paid off all of my credit card accounts and one personal loan account. At that time my XXXX credit score was XXXX. Then today my credit score dropped to XXXX. Most of the information is incorrect such as oldest credit line went from 30 years to 4 years (??? ). My credit used shows 87 % which is incorrect. I do not owe anyone anything. My available credit decreased from approximately {$12000.00} down to {$660.00}. This does not make sense. I paid off 100 % all of my bills and my credit score goes down. What is wrong with our credit reporting agencies? I will be writing my US Congressman and US Senator about this unacceptable credit reporting misinformation issue. I paid off 100 % of my credit cards and personal loan and then my score goes down! This should not happen to anyone, especially persons who pay their bills. I hope these credit reporting agencies did get my name mixed up with someone else 's. I am a XXXX senior U.S. citizen and I don't have the time or physical energy to chase down these credit bureaus mistakes.
Product: Credit reporting or other personal consumer reports

I have been dealing with this problem for years tried almost came up I dont know what to do. Im not able to access my credit report online. It comes up with the XXXX XXXX Every time I tried to access it even tried going through different vendors and because I cant get that report from them. It block the other vendors for updating, the rest of them like my XXXX wont update because I cant pull up Equifax Ive tried talking to them. Theyre only able to offer me a physical copy of my Equifax XXXX I paid for all three before and I dont have received all three because Equifax has got me on a code, and they cant do anything representative only like I said, offered me a full copy. I couldnt believe this is happening. I am extremely upset that I can not get a full copy of my report XXXX XXXX, they could only tell me what my credit score was over the phone, but that doesnt fix the current problem. The current problem is that my credit score is not been available for years now.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries that appear on my credit report. I recently reviewed my credit report and found inquiries from XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX that I did not authorize. These inquiries were made on [ date of inquiry was XX/XX/ for XXXXXXXX XXXX  ], [ date of inquiry was XX/XX/ for XXXX XXXX XXXX XXXX  and [ date of inquiry was XX/XX/ for XXXXXXXX XXXX XXXX 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute unauthorized or inaccurate information on my credit report. I request that you initiate an investigation into these inquiries and remove them from my credit report if they are found to be unauthorized.
Product: Money transfer, virtual currency, or money service

Ive tried canceling a transaction, but when I did cancel they still took money out of my bank account and they said it will take a few days to return my funds, Ive waited few days never received my funds back, and I tried contacting cash app themselves to resolve they said it should be back in your bank account, I double checked it, and still nothing, they said wait a few more days again, I said ok, few days later passed and still nothing, til this day I still never received my funds.
Product: Debt collection

I had an account with XXXX at XXXX address. When I moved to another address I learned that comcast was not available for that address which forced me to incur a early termination fee of {$160.00}. After to trips to a XXXX and call with customer service I was assured the {$160.00} would be credited. Now I have received a collection notice from XXXX. I do not know what to do at this time. They have threatened to add this to my credit report if not paid. I also have a {$60.00} charge from XXXX that was paid back in 2014 but not applied to my account and I 'm being ahrrased tp pay that amount too.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

Loan was paid in XXXX XXXX. In XXXX, 4 years after I moved from VA ( moved in XXXX XX/XX/XXXX-6 months after debt paid ), I was suddenly contacted by XXXX XXXX XXXX representative stating my debt was not paid and that I now owe them {$1100.00}. I explained that the debt was paid and due to so many years passing by I had shredded documents that were not required for me to keep since account was paid off. In fact if I did owe the loan XXXX XXXX XXXX had the right to cash the check in their possession, which they did not have because I had received it back when the account was paid. That was something I requested they provide and they were not able to provide anything. Despite my letter to them and the conversation on the phone I was continuously harassed and nothing sent to me. Then in XXXX I was contacted via collection letter by XXXX XXXX XXXX attempting once again to collect on this paid off debt. That now is an additional two years, totaling 6 years after I paid the debt that XXXX XXXX XXXX is attempting to collect on a debt that was paid in full. Now XXXX, I am receiving a letter from Cascade Capital attempting yet another time to collect. It seems the collection agencies have had no problem finding me and back in XXXX XXXX XXXX XXXX contacted me on the phone that was provided with the account, so I do n't understand why so many years have gone by with no contact and suddenly they want to collect on debt that was paid in full. Somehow their records have been a mess or perhaps since it is a cash basis company their representative may have stolen the money. Again, a check is issued with understanding if payment not made on due date the check will be processed, never has been and never will be because I did get it when I paid the account off. Unfortunately, I attempt to destroy records that I do n't find I need to keep. Sadly I should have kept these but did n't, who what have known this would happen to me.
Product: Credit reporting or other personal consumer reports

Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : 1. XXXX Date of inquiry : XX/XX/year> 2. XXXX  XXXX Account Number : XXXX
Product: Vehicle loan or lease

I had went into a dealership in XXXX Texas XXXX XXXX XXXX XXXX. The dealership got approval and I was going into dealership next day to sign paperwork. After I got to dealership, the bank rescinded deal. They stated that I had a charge off account with them. I have contacted the bank but no one can seem to help with find this past account. I even offered to add that into the loan I was approved for. I'm not sure what happen or if I even had a loan with this bank but something is not right.

Last 4 SSN : XXXX XXXX : XXXX
Product: Mortgage

I am interested in refinancing my mortgage. The company that originally funded my loan, Coast 2 Coast Funding Group, in XXXX XXXX, California ( later sold it to another mortgage company ) reached out to me about refinancing my loan. I asked them to provide me a Loan Estimate. They then ran a Hard Inquiry against my credit without my authorization. When I questioned XXXX XXXX, my contact, as to why he ran my credit without asking me first, he told me that since Coast 2 Coast was the original company who funded my loan, the authorization I signed in 2015 will allow them to run my credit report at anytime for the life of the loan, without further authorization from me ... even though they sold my loan to another company. I have asked for, and received Loan Estimates from other companies as well, and none of them ran my credit to provide the Loan Estimate. To add more fuel to the fire, XXXX keeps saying that he is " sorry I did n't understand '' and " sorry that this somehow seems confusing ''! Very frustrating and unprofessional. I would like the Hard Inquiry removed from my credit report. I would like other buyers to beware of Coast 2 Coast Funding!
Product: Debt collection

" On XX/XX/2023, our office received a request for validation from you ''. " On XX/XX/2023 the account was placed in a suspend status and no calls or collection efforts were being performed ''. This was in reply to the letter sent to my home from First National Collection Bureau , Inc . It has been more than 30 days since XX/XX/2023 for validation. Anything after 45 days for grace to valid a debt is not in compliance with the Federal Fair Debt Collection Practices Act. Please return the file back to the original client for further view.
Product: Debt collection

I purchased a computer motherboard from XXXX XXXX in 2010. The company was giving me the run around & did not provide any means for me to contact them by phone so I feared that it may have been a scam. The item I ordered was not delivered so I contacted my credit card company & did a charge back. Soon after that, the item I ordered finally arrived at my door. I refused the package & asked the deliver person to send it back. They received their item back & are still charging me for it.
Product: Debt collection

I was a victim of the XXXX data breach and verified this information on their official website at XXXX. As a result, I discovered that PORTFOLIO RECOV ASSOC had an account in my name that was verified but does not belong to me. 
On XX/XX/2025, I sent them a formal dispute letter via certified mail regarding this matter. They received my dispute on XX/XX/2025. Despite my dispute, on XX/XX/2025, the balance on the account was updated, and the account status was changed to " Account information disputed by consumer ( meets requirements of the FCRA ). '' I am disputing this account because I have no knowledge of it, and I believe it is fraudulent. I am requesting that this account be fully investigated and removed from my credit report as it does not belong to me.
Product: Credit card or prepaid card

The scam began when I listed a bed and bedframe for sale on XXXX XXXX for {$250.00}. I was contacted by a woman named XXXX XXXX ( on XXXX she went by the name XXXX XXXX ) who was interested in purchasing the bed from me. She wanted to pay using XXXX. 
The individual claimed they sent the money via XXXX. Both XXXX ( buyer ) and a convincing email from a fake XXXX customer service email address ( XXXX ) notified me that I must upgrade to a business account to receive my money from the buyer because the buyer paid from a business account. 
I received screenshots of what appears to be the pending payment within the app from this email : XXXX. I called the customer service number on this email and was pressured and convinced that this process was the only way of receiving the pending funds the buyer sent me. 
So, the scammer agreed to send me {$350.00} to upgrade my account if I was willing to refund the amount. I received another email from XXXX stating that my XXXX account was upgraded. Then the customer support person I was on the phone with told me to request the buyers XXXX information to refund the amount she claimed she sent. 
I refunded the money to the scammer, but then I realized that they never sent me any money in the first place. Instead the money I was scammed into sending them was taken out of my account. Then the buyer and the customer support person claimed that the buyer sent me the {$350.00} twice. That was when I realized this is not right and immediately contacted XXXX on their website to report this situation. 
XXXX informed me that the phone number and email recipient I was correcpoting with was not a real XXXX support individual. They also informed me that the moment I sent the payment to a XXXX user, I am not able to stop the payment nor are they able to offer a reimbursement. Therefore, I contacted TD Bank Credit Card Support immediately after to stop this payment and report fraud ; however, I was informed by a representative that they could not stop the payment or report fraud until it was posted. I waited until it was posted to report this scam and file a dispute on the transaction that was posted on my credit card account on XX/XX/2023 in the amount of {$360.00}. However, I received a letter from my bank stating that based on their investigation that they concluded that fraud did not occur. I did not agree, so I filed a credit card dispute claim on XX/XX/2023 and faxed documentation of this fraud to TD Bank credit card department. On XX/XX/2023 I received a letter stating that they concluded that an error did not occur and I must resolve directly with merchant. I believe TD bank should have been able to stop this payment when it was pending but failed to do so and I provided all the information I had to show them what had happened to me and that I was clearly manipulated and scammed by two people in giving them money. 

This has happened to people before me and unfortunately I was unaware of this. This website explains this type of scam that is going around XXXX XXXX XXXX XXXX
Product: Debt collection

This company continues to harass me even after I sent a certified letter requesting that they first validate the debt and second cease all communications with me. This company buys debt that has been charged off by creditors and then threatens lawsuits, sends people to your house stating they are there to serve you court papers and actually files lawsuits. I sent them a certified letter on XX/XX/18. They signed for it on XX/XX/18. In XX/XX/2018 they filed something with the court. I'm not sure what it is. They sent someone to my house on XX/XX/18 to serve me papers. I was not home. They are harassing me over alleged credit card debt owed to someone else, not them.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is not responding to my disputes nor are they following federal laws regulating them in the Federal Fair Credit Reporting Act ( FCRA ) requiring them to perform an investigation, providing the results and methods of the investigation used. My file has many inaccurate and incorrect information on it, and this credit bureau has failed to respond to these complaints in a timely manner. It has been well over 45 days, so they can not say that they did not have enough time. I am aware of the fact that they are hoping I stop my complaints so they can continue to violate federal law and violate my rights under the FCRA. It should not be okay for an entity like this to be able to freely violate my rights under the FCRA. All of the disputed items in my dispute letter are based on factual information from the credit report, which they furnish.
Product: Debt collection

I have contacted JPMCB twice in XXXX and twice in XXXX regarding the balance they state Iowe. I sent JPMCB proof 4 times ( copy of a letter JPMCB sent stating paid in full ) and they continue to report a balance owed which has now turned into a charge off.
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of 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 EQUIFAX 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 credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, A collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A student loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A collection account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX. 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 # ( private case number ) 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: Checking or savings account

I've called several times to Citi Bank about there promotional offer which is How to earn a Citibank checking account bonus To earn the {$320.00} bonus, youll have to deposit at least {$3000.00} in Enhanced Direct Deposits within 90 days of opening the account .. which I opened my account on there website XXXX. XXXX XXXX XXXX I've completed everything as it states to do, when I call Citi bank I'm told there is no such promotions or I need a code which isn't the case. Then I'm told I need to go into a branch which I'm now aware there are no branches in the city I live in and the closest branch is XXXX miles away. I also did a Friend referral bonus not to receive this bonus either. this referral bonus was in the amount of {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with Transunion last dating XX/XX/2021. They have failed to properly investigate the inaccuracies on my report and well as the account not being mine. I have sent documentation as well as proof and they have failed to do a thorough investigation when I have proof of the inaccuracies as well as a police report and Identity theft report. Transunion has committed several FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX SS # ENDING IN XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Opened my account in XXXX, CA XX/XX/2019. Agent XXXX has been tampering with my personal information, without my consent ever since the opening of my account. She has repeatedly altered my address without consent or direction. US Bank has failed to act on this concerning matter. On XX/XX/XXXX, I spoke with supervisor XXXX who promised to open a " sensitive issue ticket '' and once again, this was another bogus, empty promise from US Bank. Nobody has followed up with me regarding steps being taken to secure my account, nor offered any resolution. My personal account information is still being altered and tampered with by XXXX. US Bank has failed to respond, in any fashion, nor take my concerning security issues seriously. I've been lied to now by multiple supervisors about the continued security breach, not one of them has done their jobs to protect me, my privacy or personal information. My great security concerns have been completely ignored.