23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from ERC, a debt collection agency, saying I owed {$2100.00}, a debt from XXXX XXXX XXXX. I responded to them saying this is not my debt. This is the same debt ( it is exactly the same amount ) XXXX  contacted me about in XX/XX/2023. ERC has now sent me a six page fraud handling packet. They have asked for all sorts of personnal information including social security number, drivers license, my address etc. They have sent no evidence showing I owe XXXX XXXX XXXX anything. I am not going to send them all this info for a debt that is not mine. I have never had an account with XXXX XXXX XXXX. 

In XXXX we filed a complaint with CFPB about the XXXX attempt to collect on this debt. We heard back from XXXX that they would not contact us again about this debt.
Product: Credit card

We were having issues with my Synchrony Bank credit card that we opened for our Sam 's Club account. I logged in and had a zero balance. I logged in shortly later to see if the Sam 's Club account was still linked and there was a balance and a late fee. I paid the balance and explained the late fee wasn't valid. They refused to remove it. Now, on a zero balance they've been repeatedly adding late fees and interest. There's almost {$300.00} due. This was an error on their end and the refused to fix it. I explained the situation and they flat out refused- even though the glitch was on their end.
Product: Checking or savings account

They have a hold on cash funds that they claim the hold will prevent overdraft which makes no sense because holding cash funds will cause an overdraft. XX/XX/year>. No action was taken. I was told to bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN REFUSES TO VALIDATE AND VERIFY THE ACCURACY OF AN ACCOUNT ON MY REPORT! THEY AREN'T EVEN PROPERLY INVESTIGATING THE MATTER! 

PER 15 USC 1681 CREDIT BUREAUS HAVE A GRAVE RESPONSIBILITY of the following : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I WANT THEM TO STOP REPORTING THE XXXX XXXX ACCOUNT AS CLOSED WHEN IN FACT IT IS OPENED! I HAVE A LETTER FROM XXXX XXXX  THAT THE BUREAU REFUSES TO HONOR. 

REPORT THIS ACCOUNT AS OPENED IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours starting 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, Experian '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. XXXX ) against them for similar violations. I request that the CFPB make action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts I have marked as inaccurate : - XXXX XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX partial acct # XXXX - XXXX XXXX XXXX XXXX partial acct # XXXX and XXXX... 
- XXXX XXXX partial acct # XXXX - XXXX XXXX XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX partial acct # XXXX 
- XXXX XXXX XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX XXXX partial acct # XXXX .... 



Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XXXX XXXX XXXX Account Number : XXXX ; Balance : {$2300.00} ) has led me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XXXX XXXX, 2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

NOTICE TO CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GEORGIA XXXX XX/XX/year> RAUSCH STURM LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Dear Sir/Madam, I am writing to formally request that your company cease and desist all debt collection activities related to the debt identified [ XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. It has come to my attention that your agency is not licensed to collect debts in the state of Georgia, as required by state law. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Georgia state law, debt collection agencies must be licensed and compliant with all regulations in the state where they are conducting collection activities. Your lack of proper licensing in Georgia prevents you from legally pursuing debt collection actions within the state. 

I demand that you immediately cease all communication, attempts to collect, or any further actions related to this debt. Failure to comply with this request will result in legal action being taken against your agency. 

Please provide written confirmation that you have ceased all collection activities related to the aforementioned debt and that my request has been acknowledged. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I purchased a XXXX through a company called XXXX XXXX and made initial payments through them. They went out of business so my payments went to the supplier XXXX. They contacted me and indicated that due to my insurance change they needed my updated insurance information, which I provided. I monitored my billing through the XXXX billing portal and it showed a balance due of {$180.00} with a due date of XXXX/XXXX/2015. I paid that in full on XXXX/XXXX/2015 and since that time my account has shown a {$0.00} balance, so I assumed I had paid off the device. I found the item on my credit report in collections even though my account had shown a {$0.00} balance and the company stopped billing me all together. I have several screen shots showing this through XX/XX/2015. I am now being contacted by a collection agency called Alliance One about the debt that was paid and no longer billed by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these bureaus to remove these unauthorized inquiries that I don't recognize and I didn't authorize. They are not cooperating with me and the inquiries still remain.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, 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 Account Name XXXX XXXX Account number XXXX Account Name XXXXXXXX XXXX  Account number XXXX Account Name XXXX XXXX  Account number XXXX Account Name XXXX XXXX XXXX XXXXXXXX XXXX  Account number XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account Name XXXX XXXX XXXX XXXX Account number XXXX Have violated my rights. 

XXXX5 U.S.C. 1681 Section 602A states I have the right to privacy 15 U.S.C. 1681 Section604A states a consumer reporting agency can not furnish a report without my written permission.

15 U.S.C. 1681C 15 U.S.C 1681S-2 ( A ) ( 1 ) a person may not furnish any information related to any agency consumer if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete These Accounts Immediately
Product: Checking or savings account

Today XX/XX/24 chase closed my bank account without notice or reason. When I called to inquire about this closure they refused to tell me why saying its confidential yet this is my money and my information tied to this account. I have XXXX in the bank that I cant use to pay any of my bills now Im going to be late on rent and phone and no groceries until they send me a check for my funds in the account.
Product: Checking or savings account

On XX/XX/2024, I notice that $ XXXX was trying to be transferred from my Navy Federal checking account. Within minutes I called Navy Federal to report the scam. The money at this time had not been posted, but the XXXX XXXX closed the account and created a new account. Meanwhile, provide me with a prevision $ XXXX until the investigation is done. 

On XX/XX/2024 I was informed that my claim was denied and Navy Federal took the $ XXXX back out of my account. 

I am a XXXX XXXX. with no other income, so I do need my money. 

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

On XX/XX/2019, I was laid off of work. I contacted XXXX XXXX Mortgage Department and said I may have some trouble paying XXXX mortgage. THEY offered me a 6 month grace period. THEY SET THE TERMS. I agreed to THEIR terms. 
During the six months, I made one payment. THEY CONTACTED ME and said if I make ANY MORE PAYMENTS THEY WOULD WITHDRAW OUR NEW AGREEMENT. 

After 6 months THEY restructured my loan. I WENT BY THEIR AGREEMENTS. 

Now they just reported that I am 5 months delinquent on my mortgage. THEY REPORTED THIS AFTER WE SET UP A NEW PAYMENT SCHEDULE!!! My credit dropped XXXX points. 

PLEASE HELP!!!
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have an account from XXXX state which is corrected by the university and it has been fixed on my XXXX and XXXX but transunion is still showing that account. This is account was established because I did n't submit proper paperwork to the university but with the help of the treasury department president everything was corrected. They have already sent the update out deleting the negative information and balance. Transunion has failed to comply with the FCRA standards and displaying correct information.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX Account numberXXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$490.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$540.00} Balance updated XX/XX/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 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

Complaint Against transunion for Inaccurate Credit Reporting Subject : Inaccurate Credit Reporting by Transunion To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone Number : XXXX Email : XXXX Date : XX/XX/XXXX Complaint Summary : I am submitting this complaint against transunion for inaccurately reporting my mortgage payment history. The incorrect information is negatively affecting my credit score and financial standing. Despite my attempts to dispute the inaccuracies, transunion has failed to correct the errors. 

Details of the Issue : 1. Creditor Name : XXXX XXXX 2. Account Number ending in : XXXX 3. Issue : Transunion is reporting incorrect late payments on my mortgage account. 
The report shows multiple 60-day and 90-day past due marks, which are inaccurate. 
I have made timely payments, and my records contradict the negative marks on my credit file. 
transunion has failed to investigate and correct these inaccuracies. 

Steps Taken : I have disputed these errors with Transunion through their online dispute portal. 
I have contacted XXXX XXXX to verify my payment history. 
Despite my efforts, transunion has refused to correct these errors. 

Relevant Evidence : I am attaching screenshots of my XXXX credit report, showing the inaccurate reporting of my mortgage payments. This includes : The reported payment history ( highlighting the incorrect late payments ). 
Loan balance details that confirm my payments. 

CFPB Enforcement Action Against XXXX : I am also aware that the CFPB recently fined XXXX {$420.00} XXXX for failing to ensure the accuracy of credit reports. This continues to be a serious issue, and I am requesting that the CFPB take action to ensure XXXX corrects my credit report immediately. 



Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

In XXXX I took out a 2nd mortgage, ( GMAC ), for {$71000.00}. 
In XXXX They sold the loan to XXXX XXXX XXXX XXXX XXXX ( sold and closed ). 
In XXXX of XXXX I became delinquent, due to loosing my job. 
In XXXX of XXXX SLS charged off the loan, after telling me they were going to foreclose. 
They could not foreclose, because GMAC didn't assign the deed of trust to them. 
They turned the debt over the their collections dept, XXXX XXXX XXXX. 
In XXXX XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX. 
In XXXX of XXXX XXXX assigned the deed of trust to XXXX XXXX XXXX, even though they did not own the loan, because they sold it. 
In XXXX of XXXX XXXX substituted trustee to a law firm, who filed a note of default. 
They placed my home on a foreclosure websight for {$71000.00}, and for a fee they can get my address and drive by. 
I think it's illegal for the original loan agency to sell the assignment of deed of trust, 12 years after they have sold the loan. 
I admit I owe the money, but they don't have the right to my home of 30 years, since they obtained the deed of trust from someone who had already sold the loan. 
Legally they have a right to attempt to collect a debt NOT secured by my home. 
I want to keep my home.
Product: Credit card or prepaid card

I am a victim of identity theft and someone used my information to obtain a credit card with Capital One Bank. I have contacted Capital One and spoke to a fraud specialist that told me this account was already closed due to fraud and it should of been deleted from XXXX, XXXX and XXXX. I have also contacted these 3 bureaus and submitted my fraud affidavit for removal. The account reports as Capital One date opened XX/XX/2019 partial account # XXXX as a business card joint. I do not have a business nor joint with any business.
Product: Credit reporting or other personal consumer reports

Everything I try to dispute information through transunion with this business, XXXX, XXXX opened my closed account causing inaccurate information and a decrease in my scoring. Transunion allows this each time XXXX does it. A closed account is closed, not opened. Yet somehow they continue to report thus account open to Transunion and Transunion keeps allowing the inaccurate information and a decrease in my credit score.
Product: Credit card or prepaid card

I have a JetBlue XXXX issued through Barclays. 

Recently, a judge ordered all of my bank accounts frozen due to divorce proceedings except for one account in the USA. I live in XXXX XXXX. My lawyer advised me not to use that bank account because we couldn't understand how a judge could freeze my accounts and he thought that it could be frozen too. 

Normally I do an automated payment but with my accounts frozen other than an account in the USA that my attorney told me not to use, I had to pay by other means and writing a check was not possible so a friend wrote a personal check to pay my account balance of {$460.00} for my XX/XX/2022 credit card statement. 

He wrote the check on XX/XX/2022. I wrote the credit card statement number : XXXX on the front of the check and mailed in the payment coupon along with my friend 's personal check. I have copies of the check and his account statement proving it was cashed by Barclays on XX/XX/2022. 

Unfortunately, this amount was never credited to my account and with the due date fast approaching I decided to take a chance and deposit money to my account in the USA and pay the {$460.00} through an electronic transfer. Although the balance has been paid twice, I have only received credit once. Barclays has never credited my account for the personal check from a friend and continues to waste my time and not resolve the matter. 

Over a month ago I called them and was told to write a letter. That seems silly because we know they cashed the check and have my money but have not credited it to my account. I asked for a supervisor and he told me he would initiate a claim and to call back in a week for the case number. At the time he also gave me an email address for their Resolution Department. When I called back the representative told me a supervisor would call me back. Two days later I received a call and was told a claim was never initiated. Once again I was told to write a letter and she said they'd write me back, but with some arm twisting, I was able to obtain an email address and she did initiate a claim while I was on hold. The supervisor found in their system the first email I sent them and verifed that it included scanned attachments of both the cashed check and my friend 's bank statement proving it had been cashed on XX/XX/2022. 

Barclays ' case ID # is XXXX. I have sent XXXX emails to : XXXX. So far they have ignored my claim. This seems strange but the fact that they have a specific department for these issues leads me to believe the problem may be systemic. 

I am shocked by their conduct in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the only correct address that should be listed on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ky XXXX Also my correct name spelling is XXXX XXXX XXXX this is the only correct name that should be listed on my Credit Report I have no other variations of a name.. Also I have only one phone number XXXX I have provided complete documentation to the Credit Bureau XXXXs on multiple occasions by Certified mail and still they have not corrected the Personal Information
Product: Credit card or prepaid card

On XX/XX/20 I attempted to make an online payment using the American Express website. I had around {$75.00} posted to my account. When I clicked make a payment the only option that was available was to schedule auto pay for the due date. 
I contacted Amex, via their message system. They told me they didnt accept mid cycle payments and that I had to wait for the statement to post thus costing me daily interest. 
However, the card agreement states payments made online will post the same day. Amex intentionally removed payment options preventing me from paying my balance until after a statement is created. 
I demand the points I forfeited by closing the account, refund of the purchases made on false advertising practices by Amex, compensation for hurting my credit report by opening the account and closing the account, and the interest Amex made on this anti consumer practice refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I provided a copy of the FTC report, it was determined that XXXX and Equifax credit bureaus are not interfering with records. Because it is required by FCRA Regulation 605b, I am delivering this Complaint to assist in laying out a legal response. If they choose not to impede the following accounts recorded under that are responding incorrectly because of fraud. The following accounts need to be removed from my file : XXXX XXXX  XXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$440.00}.