23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A guy by the name of XXXX XXXX called my job from number XXXX early XX/XX/XXXX and advised that their client was XXXX XXXX  and he was calling to collect a debt of XXXX on their behalf. He advised me if I didn't pay that day, that he papers would be served at my job and they would take me into custody. I asked him to send documentation, he advised that he sent it to my address, I never received it. I told him I only have XXXX dollars, I gave him my debt card number and withdrawed XXXX from my account XX/XX/XXXX. He advised there was a XXXX dollar processing fee. I told him I would try to pay XXXX on saturday. He said ok. He never sent a confirmation email or number for the XXXX payment. The following Monday, he called my job again. He said I didn't receive your payment on Saturday. I said I didn't have it and I have to pay my rent. He yelled at me and said " I would take your rent from your landlord hand and he said I see you paid for gas this morning, so he was looking into my account without my permisson. He said, your on a recorded line. This is a legal matter and you should be in custody. I was very intimated by his tone so I complied paid {$400.00} on XX/XX/XXXX and told him I would try to have the rest owed Saturday. Again, I never received any legal documentation or confirmation number of payment. So, I used my money I saved for rent and paid him on XX/XX/XXXX {$2500.00}. Again never received confirmation number or legal documents.At this point, I believed I was paid up. He Called that following Monday, said I owed {$1500.00} more dollars. At this point was I realized something wasn't right. I was now 3 months behind in rent scared half the death of getting arrested and now evicted. I ignored his calls. he proceed to take {$150.00} on XX/XX/XXXX without my authorization and again {$98.00} on XX/XX/XXXX without authorization. He called my place of employment again, and I advised him. I have no more money and that he caused me to get evicted and that I never received legal documents or confirmation number for my payments. I also told him that XXXX XXXX did not hire them. He told me I was liar said he would closed my account and hung up on me. I tried to dispute the charges on my account with XXXX but they denied and advised it wasn't under regulation E billing error. So now I am out of {$3200.00} and facing eviction. And I still have an outstanding balance with XXXX XXXX.
Product: Debt collection

On XX/XX/XXXX, I got an Alert from my XXXX XXXX that my credit score had dropped. I pulled a copy of my XXXX credit report and noticed that two identical bill for XXXX XXXX had been recently added from two different Collections  Agencies ( XXXX XXXX & Receivables Performance ). 
The problem is that I was never contacted by the Collection Agencies and the account with XXXX XXXX XXXX was paid in full back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on this account 2019, please provide physical proof of late payment. Also, please provide method of verification. 

XXXX # XXXX This in information is inaccurate Fair Credit Act # 611
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 : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED THIS INFORMATION CONTAINED IN MY CREDIT REPORTS SEVERAL TIMES AND I HAVE NOTIFIED THE CREDIT BUREAUS THAT THESE ITEMS DO NOT BELONG TO ME AND NEEDS TO BE DELETED FROM MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE SUBMITTED PROPER DOCUMENTATION IN THAT REGARD AND THEY STILL WILL NOT DELETE IT FROM MY CREDIT FILE. THEY HAVE ALOS REFUSED TO SEND MY ANY DOCUMENTATION THAT VALIDATES THIS DEBT ... REASON IS BECAUSE IT DOES NOT BELONG TO ME. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
THESE ACCOUNTS ARE NOT MINE AND DO NOT BELONG TO ME, THEREFORE THEY NEED TO BE DELETED FROM MY CONSUMER CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off a collection account with XXXX XXXX on XX/XX/2019. I settled the account per agreement with the collection agency. The sent me a release of debt letter and also filed a request for deletion to the 3 credit reporting agencies. The account was removed from XXXX and XXXX, but still remains as an open account on Equifax. I have made multiple contacts with Equifax and filed disputes. I have contacted the collection company multiple times and the stated that they have sent the request and all other documents to Equifax. As of today, XX/XX/2019, Equifax still shows an open collection account for XXXX XXXX and have stated the account is accurate and has not been paid. All they tell me I can do is file a dispute again. I have talked to two Equifax representatives that stated they did receive the deletion request and it would take 30 days for the account to fall off my report. They stated it was XX/XX/2019 that they received the request to delete and it would be off by XX/XX/2019. When I called on XX/XX/2019, I was told that they have not received any deletion request and the account is not paid off. They told me to contact the collection agency myself and ask them to send the request electronically. I made the phone call to XXXX XXXX and they stated that they have submitted the request already and have been having problems with Equifax with other clients as well. I can not speak to anyone that seems to know what's going on at Equifax and keep getting different answers with no help or results.
Product: Checking or savings account

{$50000.00}, 59 months CD, 1.49 %, opened XX/XX/XXXX.

Closed the account : XX/XX/XXXX.

$ XXXXCD was on deposit for two years, four months. After fees and penalties, the {$50000.00} CD had a current balance of {$51000.00} and was redeemed at {$49000.00}. The fees and penalties totaled {$1800.00} which reversed all interest paid to date and {$80.00} more.

When I asked for an explanation, nobody at the branch could print how the penalties were calculated. I called the XXXX customer service number, and after many tries, I determined the penalty was 50 % of the interest that would be paid over the total 59 months. The penalty was 3.2525 % on a CD that paid 1.49 %.

US Bank markets the product as a standard CD. Through my experience, standard five years CD 'S have penalties of six months of interest. This penalty was over two years of interest. Amazing and outrageous.

At minimum, in my opinion, this is an unfair banking practice. Customers beware. When you open a CD at US Bank, you do not know what you are getting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the government loan accounts with the credit bureau for several attempts, to no avail. These accounts should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report.. CFPB please do something to fix this up.. US DEPT VETS XXXX, US DEPT VETS XXXX, XXXX XXXX, XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday XX/XX/2018. I received a credit alert notification that XXXX requested my credit report information from Transunion in Washington. Since they were closed on XXXX XXXX, I called Transunion on XX/XX/XXXX to dispute but they told me I could not dispute the inquiry, I had to contact XXXX to request a letter to delete the inquiry off my credit report. I then called XXXX and they stated that they would not produce a letter of deletion. I was then provided this website to submit a complete because my information was pulled without my consent and my ID and credit cards were stolen on XX/XX/2018. Now I have no idea how to get the inquiry off of my credit.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.
1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Delete this account. 


6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 

15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit card

The Following companies, Equifax, XXXX, XXXX, XXXX, XXXX, Affiliates, are in possession of my stolen credit card ( 15 usc 1602 ) personal social security account information, absent my knowledge, consent and/or agreement ( 15 usc 1692c ). I have forwarded an opt out demand, verification disclosure, cease and desist communications letter to the aforementioned, identifying the identity theft accounts. Equifax, et al, has failed and/or refused to implement a block> I have also demanded secific verifications : ( 1 ) Any insurance claims ; ( 2 ) chain of title ;, i.e.
Product: Credit reporting or other personal consumer reports

Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Experian Customer Service, I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries that have appeared on my credit report as a direct result of identity theft caused by the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information from my credit file upon notification and receipt of supporting documentation. 
The fraudulent items I am disputing include : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To assist with your investigation, I have enclosed the following documents : A copy of my government-issued ID Proof of address utility bill or bank statement A copy of a FTC Identity Theft Report The Equifax data breach compromised my personal information, and as a result, I have been subjected to fraudulent activity on my credit report. I expect Experian to comply with its legal obligation and take immediate action to rectify this situation.

I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Experian to provide a detailed explanation, including the evidence used to verify its accuracy.

Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary.

Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address XXXX XXXX
Product: Credit card or prepaid card

Paid by phone as I have for 20 years received confirmation then notice by mail payment rejected same bank 20 years. Call customer service big joke no answer late charges hike interest rate. Really? Are there laws protecting consumers? This is fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

Money was refunded and transferred to my account that was closed and I can not find a way to retrieve the money and it wasnt returned anywhere else
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XX/XX/XXXX
Product: Vehicle loan or lease

In XXXX of XXXX  I took out an auto loan from Navy Federal Credit Union, so that I can purchase a truck from my girlfriend. Her loan for the truck was also through XXXX XXXX. They said they mailed her the title once I paid her for the truck that she then paid off. We never got the title as I live with her. Fast forward 2 years, I was wondering why my loan payment isnt going down very much. So I had to search for the info on my interest rate. ( XXXX percent ). It was supposed to be around XXXX percent. I called XXXX federal and asked if they could lower it ( not knowing it was because they didnt have the title with them as lien holder ). They said I need a duplicate title with them as the lien holder. So we went and got a duplicate title put them as the lien holder and still nothing changed. Had to call again. They said it was because the XXXX didnt list them as the lien. Well they didnt say it that way the first XXXX times I talked to them. XXXX federal is a terrible credit union that cost me thousands of dollars in interest because I wasnt paying attention and they definitely did not want me paying attention. On top of all of this they are now starting to charge daily interest on their credit cards. Along with a {$XXXX.00} hold on the credit card when you want XXXX dollars worth of gas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Mortgage

We pay our margage to Wells Fargo every month ' it is not showing up in out depts
Product: Mortgage

Please see previous Complaint ID XXXX. I just received notification that my complaint was closed because the company merely responded, yet they have done nothing to resolve the actual issue. 
I faxed and emailed ( proof attached ) all information requested, and I have yet to receive any communication or correspondence from PRMI since submission. 
The complaint is still fully valid and even more so now.
Product: Credit card or prepaid card

American Express just sent me a modified set of terms and conditions which included a requirement that ALL arbitration proceedings and settlements must be kept secret. 

This is patently unfair and abusive term, as American Express is using their market power to force consumers into accepting egregious terms such as these. 

This clause allows the company to harm innumerable numbers of customers in complete secrecy and prevents the public and other customers from even knowing about these issues. In order to hold a company accountable, the courts have long made their records public so that everyone is aware when someone is found guilty. 

Additionally, the COMPANY knows ALL of the consumers and ALL of their complaints, so this is additionally a very one-sided term. 

Indeed, historically, XXXX XXXX was able to defraud over 3 million customers -- in no small part due to the use of arbitration. With companies like American Express now forcing secrecy UP FRONT and unconditionally, this unfair and abusive behavior is only more likely to occur as there will no longer be any way for anyone to even KNOW about that type of behavior ( it was only through an investigation by a newspaper that XXXX XXXX 's massive fraud was found -- if that was held to the standards forced by American Express, it could never come to light ).