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

I am writing to file a formal complaint against Trans Union due to fraudulent collection accounts that have been incorrectly listed on my credit report. These accounts, listed under XXXX for account number XXXX and XXXX XXXX for account number XXXX, do not belong to me and I believe they are the result of identity theft. Despite my efforts to resolve this issue directly with the credit reporting agency through several formal disputes, these accounts continue to appear on my credit report. These errors have caused significant financial hardship as they have negatively affected my credit score, resulting in denied loan applications and increased interest rates on existing credit.
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 Account name : XXXX XXXX. XXXX Account name : XXXXXXXX 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 and 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: Debt collection

Hello, My name is XXXX XXXX and I am writing to XXXX and SIMM Associates , Inc. regarding a debt claimed to be owed by me. It is claimed I owe {$200.00} when this is not true. XXXX attempted to send funds using a card that I had suspended due to theft and fraud. When they found out that this card was not functioning, they sent {$200.00} anyways and claimed that I owed them this money. XXXX did not consult me on sending funds on my behalf and did so without my permission. 

I disputed this transaction with them then and I am disputing it now. Through their own internal review of this transaction they still have been calling me and emailing me incessantly to pay an amount they sent without my permission. I do not owe these funds and I want this debt collection case dismissed. 

There are multitude of class action lawsuits against XXXX at this present moment regarding these issues. This is not okay to do this to consumers and users.
Product: Credit reporting or other personal consumer reports

I just look at my credit report with TransUnion on XX/XX/XXXX. I identified some hard inquires that did not have permissible purpose according to the Fair Credit Reporting Act. Anything furnished on my consumer report must permissible purpose according to15 USC 1681b. Please delete these accounts. I have also attached evidence. 

1. [ XXXX XXXX XXXX-XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.

2. [ XXXX-XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.

3. [ XXXX XXXX-XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.

4. [ XXXX XXXX-XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.

5. [ XXXX XXXX XXXX-XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.

6. [ XXXX XXXX-XX/XX/XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.

7. [ XXXX XXXX-XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.

8. [ XXXX XXXX-XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Product: Bank account or service

Wallet containing debit card and telephone was stolen from a hotel room while on vacation on XX/XX/2016. Theft was reported to the banking institution on XX/XX/2016. Banking institution initially refunded the charges, I provided all information requested to fraud department. Banking institution was informed my PIN number was not written down anywhere or contained in my IPhone. Banking institution then informed they were reversing all credited charges on XX/XX/2016.
Product: Credit reporting or other personal consumer reports

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


I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Bank account or service

Wells Fargo bank, without my permission punched my safety deposit box and removed my property. The bank management has ignored my request to return my property and have not offered any explanation why they took it in the first place.
Product: Debt collection

My doctor joined XXXX XXXX XXXX midyear last year. I saw her in XXXX and my XXXX XXXX took care of it. I got a bill from the medical group last XXXX. I called XXXX to see what was going on. They told me that my doctor was in network, but that medical group which submitted the bill was not in network and so was paid out of network cost. The medical group wants me to pay the difference for their mistake and I will not do it and have told them so on a recorded call. Their calls to me are incessant. 

My doctor quit that group at the beginning of this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ; located in XXXX XXXX, NC. XXXX XXXX XXXX Co Manager has filed a false judgement/lien against me and my good name at the XXXX County Clerk of Courts Office and filed a Writ of Execution from the XXXX County Sheriff 's Office ( Civil Division ) from the XXXX County Clerk of Courts Office on behalf of Co Manager XXXX XXXX XXXX of Springleaf Financial Services XXXX XXXX, NC for the amount of XXXX plus a Sheriff 's fee for the collection process, court costs and any interest due which is accruing daily. An Execution is a judgement entered against me which is recorded in the courthouse and is affecting my good credit, name, opportunities, as such time it exists. As a result any property which I own that has not been designated exempt by the courts is subject to and is sold in order to satisfy this FALSE JUDGEMENT ENTERED AGAINST ME by XXXX XXXX XXXX of Springleaf Financial Services signed by Sergeant XXXX XXXX dated XX/XX/XXXX. Springleaf isn't in business anymore due to a Federal Court Order to divest 127 Springleaf branches including North Carolina and 7 other states. Springleaf has already been cited by Consumer Financial Protection Bureau in XX/XX/XXXX by violating Federal Laws their practices hurt consumers while compensating the employees of Springleaf .. Ratios stated credit little value to the customers even while selling the credit insurance used deceptive practices and EVENTHOUGH I I canceled my XXXX Insurance XXXX XXXX XXXX in the principal balance deliberately failed to correctly deduct my portion of monies owed to Springleaf Financial Services and refused to correct my balance owed to Springleaf when bringing this to her attention on XX/XX/XXXX with the Office Manager agreeing with XXXX XXXX XXXX. I was still ordered to pay the Incorrect Principal added to my Balance then and was threatened to report that balance to credit bureau hurting my credit scores. I was called and harassed by office personnel after hours and before I paid my loan with letters too violating the collection laws of NC. The company is XXXX XXXX XXXX XXXX has reported this balance of XXXX which I deny owing then or now. XXXX XXXX XXXX and Management of Springleaf held monies owed to me and added fees to this false debt/claim and reporting the errors to The XXXX County Clerk of Courts Office as a judgement/lien and The XXXX County Sheriff 's office civil division to hurt my credit and violating my FTC Laws and Credit Reporting Act because this isn't true but false I owe Springleaf nothing.
Product: Credit card or prepaid card

My credit card company failed to make a payment on my due balance, even when they had my auto-pay information. I changed bank accounts but the thwy used the wrong account, My credit score dropped 150 points and I'm trying buy a home. Capitol One refuses to anything about the mistake I attached the statement of the " missed payment ''. 

I never received a single call letting me know of this change in account status.
Product: Mortgage

During COVID, I couldn't make my mortgage payments. I was in contact with New-Res the entire time. This wasn't supposed to hit my credit report negatively due to circumstances out of my control. It was still reported to my credit as several 30 day lates and a 60 day late. the dates were XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 for the 30 day lates and XX/XX/2020 for the 60 day lates. this has made my credit fall when these never should have hit my credit report. I have since caught completely up and fixed everything needed with the world coming back on line, but I shouldn't suffer from things out of my control with COVID. It was hard enough to get through this and I shouldn't have additional penalties now on my credit.
Product: Debt collection

CBC, LLC continously report to all 3 credit reports as if I have an account with them. This company constantly change their name. They are NOT the original creditor for one, for two, it's too old to be on my credit report, for three, I know that they can not keep doing this. I'm asking that they remove from all 3 credit bureaus and stop harassing me. They are damaging my credit.

( CBC ) is a third-party collection agency based in Tennessee that specializes in collecting delinquent medical bills.

What is CBC LLC on credit report?

Who is CBC, LLC? CBC, LLC, aka CBC Collections , LLC, is a third pary collection agency located in XXXX, Tennessee. You may see them listed on your credit report as a collections account. This can happen if you forgot to pay a bill and your account was sent to a debt collector.
Product: Money transfer, virtual currency, or money service

Sorry I am contacting you again but I have a huge problem with XXXX XXXX I have spoken to XXXX and XXXXXXXX XXXX  and they tell me that they only keep records for XXXX XXXX I have spoken to several people who say this is not correct banks move these items into a vault I need your personal response and assistance I am a poor pensioner and this money would help me and is a result of my XXXX passing away on XXXX XX/XX/year> the account number is XXXX XXXX and I found XXXX deposits XXXX {$3700.00} and {$3000.00} all paid into XXXX XXXX XXXX  surely the story they have given me can not be correct banks hold records for many years and what can you do to help me?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , inc ) do to the inadequate customer service and unfair practices which violated the consumer financial protection act ( Cfpa ). specifically cash app failed to take timely and effective measures to prevent and address fraud in their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic funds transfer act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * AS YOU CAN SEE THE OPENING DATE IS INCORRECT * THE NUMBER OF MONTHS TERM IS INCORRECT * THE DATE REPORTED IS INCORRECT * PAYMENT DATES ARE MISSING, XX/XX/XXXX ( XXXX & XXXX ) XXXX XX/XX/XXXX AND XXXX IS MISSING FROM XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX # XXXX XX/XX/XXXX -- {$3400.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$41000.00} XXXX  XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$48000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$45000.00} XXXX XXXX  XXXX  # XXXX XX/XX/XXXX -- {$62.00} XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$290.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting disputes for SEVERAL MONTHS NOW against the accounts that these three bureaus keep posting in my credit report. I have reason to believe that these accounts are all INACCURATE and UNVERIFIED information but they keep showing up in my report. They have not shown any legal evidence to prove that these accounts were made by me or owned by me in those months that I have been asking for proof or any signed agreement. I asked for legal advice and was informed that what they are doing is against my rights and is not compliant with the FCRA/FDCPA. This has been causing me tremendous stress and mental anxiety, not to mention FINANCIAL concerns especially in these times of pandemic. They have not been very helpful in resolving these matters and I have been contemplating on taking them to court to resolve this, however, it would be more helpful for me to have the accounts corrected SOONER rather than later and thus, the main reason for me giving them, literally, ONE MORE CHANCE to do the right thing and REMOVE all these inaccurate and unverifiable information from my credit report. I hope you could help me to shed light to them regarding the matter. Thank you and hope to hear from you soon!
Product: Credit reporting, credit repair services, or other personal consumer reports

There were two dismissed Bankruptcies that were on my credit report that I have disputed to be removed according to the Fair Credit Reporting Act, Section 1681 ( a ) ( 5 ). TransUnion has removed one of the dismissed Bankruptcies, ( XX/XX/2020 ) but has failed to remove the other. The Bankruptcy that needs to be removed is docket number XXXX. I don't understand why they removed one and not the other when in fact there is no difference.
Product: Credit card

I attempted to do business with a company called XXXX on XX/XX/XXXX. I explained I was leaving the country for months at a time and if they couldn't overnight the medication I needed to wait. I never got the medication but got billed. I was not in the country. I explained this to the company. They blew off my communication but continued to bill me. 

XX/XX/XXXX for {$39.00} XX/XX/XXXX for {$220.00} XX/XX/XXXX for {$320.00} XX/XX/XXXX for {$79.00} I never received the medication but was charged accordingly. I purchased this with my capital one card but they reversed the charges because I wasn't in the country to send the proof I never received the items. How can I prove I never received something. I explained to the company that I was in the XXXX XXXX. There was a customer portal where you communicate with the company but since my account got closed when I complained about being billed and not receiving the product I no longer have access to the communication portal. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

I possess a XXXX  store credit card from Comenity Bank. On XX/XX/2019 there was a fraudulent purchase made using my card information ( but not my card as I possess same ). I noted this within a matter of days and contacted Comenity Bank to notify them of the unauthorized transaction. The bank closed that account and issued a new card and had me complete paperwork to initiate an investigation. I was informed that I would not be responsible for paying that sum until and unless the investigation was complete and I were found liable. Despite this assurance, I soon received two statements from Comenity Bank, one for the new account, and one for the closed account under fraud investigation. Under the closed account it was stated that I had a minimum payment due of {$32.00} and demanding payment. As I had been informed not to pay this as I was not liable, I telephoned Comenity Bank to question this. I spoke to a representative ( which I audio recorded as my state is a one party consent state ) and questioned why I was having payment demanded of me for an issue still under investigation. I was informed that this was a mistake and that the statement should never have been issued to me. I was informed that payment was not due and I was not to pay it. However, I am now receiving notices from Credit Reporting Bureaus that I am delinquent on this payment. I telephoned Comenity Bank this evening, XX/XX/2019 ( and again recorded the call ) to ask why I was being listed as late in payments when I was specifically told that payment was not due and that I was not to make the payment. Comenity Bank states that I do not owe a payment as the investigation is still pending .... yet they have reported me as being delinquent in payment. I am greatly concerned as I have a credit score of XXXX as I am very careful with my credit and having a late or missed payment on my record is troubling. Especially troubling as, unless I am mistaken, it is unlawful for Comenity Bank to demand payment or list me as late on this payment while it is still under a fraud investigation. If this reflects negatively on my credit I will be seeking full reparations and punitive actions against Comenity Bank as I should not be reported as late or having missed a payment when this issue is under a pending fraud investigation for a purchase I did not make. 
I do not still possess the old account credit card number ... but will provide the new card number later in this complaint for identification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

When an item shows up as a duplicate an your credit report, it should easily be removed with a dispute letter to the credit reporting agency. Unfortunately, this is not the case with the incompetent employees working for XXXX. who rely heavily on their XXXX and XXXX XXXX systems to do their jobs. 
Randomly, checking my credit report around mid XXXX, I came across the same furnisher on my XXXX credit file with two completely different account numbers. 
REGIONAL ACCEPTANCE XXXX # XXXX with balance XXXX and second XXXX # XXXX with the same balance XXXX. I disputed and asked of the item to be removed. XXXX found it as verified. 
To my knowledge, I have one account with this lender. And have no idea where the second account came from. I am requesting legal action to have this incorrect information removed from my credit file immediately. Or I will be forced to take legal action.
Product: Debt collection

This group has been calling for about a year. The name recently left on voicemail is CBE Group, Ph : XXXX, www.CBEGroup.com. They do not disclose the nature of the alleged debt, nor the alleged creditor name, even when asked. Usually they leave a voicemail, but on a recent call, I took it and asked what it is about, at which time they said they do not disclose that information. They asked for me to confirm my name and address, and asked for my SS #. When I asked again for creditor identifying information the man said ( in a very threatening voice ), " I do n't play games, sir. '' At that point I said that I do n't play games either, and hung up. Their most recent call was from a female. I called the phone # she left, and after a long pause, the electronic voice said they could not put me in touch with a representative, and for me to call back later ( yesterday ). I went online to the site they said I should and filled out contact information to access them and got rerouted several times, so I gave up and today I called the FBI and your office. I believe I do not owe an outstanding debt, but just in case, I called several creditors to see if I missed something. I was told that they did not send my account to any debt collector. At no point, have I received a letter, dun notice or other documentation. Please help me resolve this. I will also call my state Atty General and the do not call registry again. As an aside, after I went to their ( CBE 's ) online site, I immediately got a call from a tech specialist who said I had asked for tech assistance for my computer. When he realized I had not, he told me to be careful about inputting my name and contact information online.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Product: Debt collection

THE FROST BANK ACCOUNT IS NOT MINE. I HAVE ATTEMPTED, SEVERAL TIMES, TO HAVE IT DELETED, FROM MY CREDIT REPORTS. I DO NOT KNOW WHO THE ACCOUNT BELONGS TO, OR IF THIS IS IDENTITY THEFT. I JUST KNOW THAT THE ACCOUNT IS NOT MINE. PLEASE, STOP REPORTING THE FROST BANK ACCOUNT, AS MINE.