23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account Number : 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy and privacy of information in the files of the nations credit reporting companies.
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$800.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$300.00} Needs Attention XXXX  XXXX  Reported : XXXX. XXXX, XXXX + {$530.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$1200.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$960.00} Needs Attention XXXX XXXX Reported : XXXX. XXXX, XXXX + {$880.00} Needs Attention Collection accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$880.00} Status Collection account. {$880.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$530.00} Status Collection account. {$530.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$300.00} Status Collection account. {$300.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$960.00} Status Collection account. XXXX  Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached, he following items do not belong to me and is a result of fraud that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a car accident on XXXX hit from behind the insurance company and the gap insurance paid off my car loan with XX/XX/XXXX long story short is my account is closed but XX/XX/XXXX give me an late payment on my credit report for XX/XX/2021 which has dropped my score on my credit and the credit bureaus is doing nothing to fix the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim. of Identity theft. 
By checking my credit report I have found two fraudulent accounts I have listed on the FTC report. Someone has stolen my personal info and used them to apply for some creditors.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian & XXXX has not responded to the previous dispute within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently Ordered a Copy of my credit report and noticed XXXX XXXX XXXX on the report, I do not have any recollection of this alleged Collection account or the company reporting it such I never even heard of this entity, and received no such contact regarding this alleged account i looked up their information in Oregons Secretary of States Business portal I could not find them at all which seems as if they are trying to collect a debt in a state they are not licensed in which would be unethical but not much of a surprise coming from a collection agency. 


Account number - XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

My husband and I purchased a bed at XXXX XXXX 3 years ago, with a 3 year interest free loan. We had set up automatic payments, and calculated this to pay off the loan before the three years expired. At some point the loan carried by GE Capital was switched to Synchrony Financial. Without our knowledge or approval during this time our login was changed and the amount per month lowered to {$35.00} the minimum. Last night we received an email that we owed approximately {$2300.00} in interest. This was our first email from Synchrony that showed we still owed money on this loan. In calling Synchrony they were adamant that our login had n't been changed and that the automatic payments hadnt been altered from GE Capital to Synchrony, yet in our case it had. In doing some research I feel as though this type of practice and unyielding, rude telephone customer service may be common within their company.
Product: Credit reporting or other personal consumer reports

I'm in the process of monitoring/cleaning my credit when on XX/XX/2024 Debt Collection XXXX XXXX XXXX XXXX XXXX this debt on third-party credit reporting agencies ( XXXX, XXXX and Transunion ) without first disclosing to me in writing or electronic form, thus violating my Consumer Rights under 15 U.S.C. 6802. 

My first contact with XXXX XXXX XXXX was via email on XX/XX/2024 notifying me of the debt requesting a payment. On XX/XX/2024 I replied notifying the above violation requesting them to remove this account from all reporting agencies and issuing a Method of Contact Disclosure. They flagged my account as being disputed but meets FCRA requirements. The account remains on my credit reports negatively affecting my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am a victim of identity theft.
Product: Debt collection

I sent a letter asking for verification of debt. It's been over 30 days and the debt hasn't been verified and remains on my credit report.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


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

Experian/XXXX  XXXX is reporting a unverified invalidate charge off on my credit report in the amount of {$270.00} They are in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification for. 
The was no written form of communication contact or signature the accused debt at all. 
They sent a bill via mail That is not a signed contract! Bearing my signature agreeing to pay said amount They are required to provide the original contract agreeing to pay this amount bearing my signature Provide / prove that the limitations had not expired this account Show that they are licensed to collect in my state Validation must include pay off disclosure Interest rate disclosure Balance history Payment history Credit insurance
Product: Credit reporting or other personal consumer reports

XXXX isnt properly reporting my account and I notice unidentified credit errors
Product: Credit reporting or other personal consumer reports

I paid my balance in full on XX/XX/year>, of XXXX dollars. The rate was readjusted as if I never paid the balance and there is a delinquency notice on my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

AmeriCollect is reporting on my credit. I sent them validation of debt letters they sent me copies of my so- called hospital bill. This is indirect violation of my Hippa Rights, I never gave them permission to access my medical records. Nor did I sign a consent authorizing such behavior. They also didn't properly validate this so called debt.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues. which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. The situation raises concerns about consumer protection laws, and I request your assistance to investigate this matter to ensure my rights are upheld.Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX BANK Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received notification from Pressler & Pressler, LLC NJ that they were attempting to collect on a debt from XXXX from XXXX. I have attempted to communicate with P & P on several occasions. I honestly thought it was a scam at first because when I called the number on the document I received the person on the other end of the phone proceeded to call me " a f*** loser that should pay her bills ''. So I withheld any further communication thinking it was a scam ( which I still think it 's a scam ). That is until they took money from my bank accounts ( and continue to ). Let me add here XXXX of the accounts they took from was my daughter, XXXX XXXX COLLEGE ACCOUNT. I was merely a signer for account as it was started when she was under XXXX. 
I have documents to support my attempts to contact them via mail, and their vague responses. The bill they are trying to collect on is inaccurate and down right fraudulent. 
They allege a judgment was ordered on XXXX/XXXX/XXXX in their letter to me from XXXX/XXXX/XXXX. 
There are many inconsistencies with the bill from XXXX itself. For example : there are charges from some other Long Distance Carriers that I never authorized. Back when I got the bill from XXXX I challenged it because I never authorized any of these other carriers, ( XXXX of them charged {$4.00} per minute! ). I communicated to P & P they bought bad debt- they failed to respond and took more money out my account. The most recent was in XXXX XXXX. I 'm standing my ground that this is wrong and fraudulent. I have filed an objection to the levy P & P has against my accounts. I am due in XXXX Superior Court on XXXX/XXXX/XXXX at XXXX in front of The Honorable XXXX. 
This has been a nightmare, I never know when monies will be taken out of my account without notice. I can not open any new accounts because they immediately take the money. I have had to pay processing fees to the banks themselves, adding to the financial burden and distress. I have lost sleep and years have gone by with no resolve leaving me feeling hopeless that I will ever have good credit or clear this from my credit history. I have paid higher interest rates to the credit cards I have despite paying them all on time. 
Lastly, my time. I have lost so much time over this nonsense. In the last few years my aging parents have had health issues. My fathers XXXX and a plethora of other health issues. My mother has had XXXX, not once but twice now. The first time she did well, but this time is different. It 's a different XXXX much more XXXX, her poor XXXX and I have watched her suffer unbelievably. My eldest daughter is struggling with XXXX and I have to make up for her absence to my XXXX growing grandchildren.The idea that these dirt bags have taken any of my time away is infuriating. Listen everyone has stuff, I know that. But these people have to be stopped. How many others like me? 
As I stated earlier I have supporting documents, some are paper some are electronic. I can mail them to you upon request, it would be more organized that way. 
Sincerely, XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX-XX/XX/XXXX Attempted to verify ID on Coinbase, through their website and mobile App XX/XX/XXXX ID is verified. 4 valid documents, 13 failed documents shown. 
XX/XX/XXXX Wire Deposit {$20000.00} from XXXX account. Verified Deposit of {$19000.00} XX/XX/XXXX Attempt to use the money. Buying disabled. Withdraw disabled. Contact Support. 
Coinbase is unable to verify my ID. There seems to be a verification process for depositing money and different verification for withdrawing/buying money. 
XX/XX/XXXX Case is Escalated and duplicated Case # XXXX and Case # XXXX XX/XX/XXXX-XX/XX/XXXX Account is unable to verify my ID. Contact support multiple times, send in additional documents. Unable to resolve. 
Coinbase seems to be holding my money and not releasing the funds.
Product: Credit card or prepaid card

On XX/XX/2019 my cell phone number with XXXX was ported out without my authorization and the fraudster was able to gain access to my XXXX account and all accounts linked to the XXXX. The fraudster got access to my bank account and credit card accounts. My checking account with XXXX, BOA credit card account and XXXX XXXX credit card were all compromised. My checking account is with XXXX XXXX  and they were able to stop the fraudulent transaction as they did not recognize the transfer the fraudster was processing. Next day I was able to close my old account and open a new account with XXXX. The night of the fraud I also reported the identify theft to XXXX  and the next day set a freeze to my credit for all three credit bureaus. XXXX XXXX was able to cancel my card and reissue me a new XXXX. BOA was aware of the fraud, contacted me and once i verified it was fraud, cancelled and replaced my credit card. They issued a temporary credit to the account while investigating the charges. In less then a month of investigation, BOA decided that it was not fraudulent and charged it back to my credit card. The two charges that occurred were processed in Florida. I am a resident of California and the day the fraud occurred, I was in California and the CC was in my possession the entire time ( I have evidences to support this ). After I realized that the fraud dispute was charged back to my account I called and spoke to a representative who advised me that at that stage they really cant do much as a decision has been determined. No formal communication was sent to me on the results of the investigation before the card was charged back. I received a letter a week later in the mail to confirm that they determined the transactions were not fraudulent ( total of {$1000.00} ). The representative handed me the fax number to which I could submit my dispute and the postal POBox address I could send the information. At this point I have two fraudulent charges on my credit card that I did not authorize nor charge. In addition, when this incident occurred, BOA reduced my credit limit to the balance on the account as such, now I have charges over my credit card limit which will incur additional fee. BOA has not been forthcoming on how they determined this not to be fraud and has not reached out to me to assist me with this dispute. I have tried to resolve this with them but have not been successful. I do not believe I should be held responsible for a charge that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Consumer Reports and noticed that I had several late payments on accounts I've never been late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of there ability with complete accuracies. I have never been late for payments on accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Please investigate and provide proof by the provisions set forth in Consumer Protection Laws. That these payment were late. If proof can't be provided please update these late payments to Payed As Agreed Never Late.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on 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 Fund 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 reporting or other personal consumer reports

XX/XX/XXXX Attempted to refinance my car loan and was advised XXXX XXXX has been reporting my account as Closed to all three credit bureaus. 

XX/XX/XXXX Spoke to XXXX XXXX and they advised that is what automatically happens when the call is included in a XXXX  ( even after it is XXXX ). I asked to start a dispute to have it corrected and was told it was faster to report it to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I submitted an identity theft report from Federal Trade Commission as well as a letter stating the theft and proper identification. According to 15 USC 1681c-2 upon submitting these documents the credit reporting agency is supposed to block the files from my report within 4 business days. I spoke with XXXX at Experian and he said this wasnt enough to get these accounts blocked from my file. According to FCRA this is willful noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with XXXX XXXX XXXX. The company closed and I was informed that SST ( System Services Technologies , Inc ) would be taking over the account. I have this account set up on auto draft that XXXX said to keep in place and that all things would be transferred and set up. I kept all things as agreed by XXXX. In XX/XX/2019 SST continuously tried to take money out of my personal checking without my authorization. Tried calling to get a answer and they did not know but said they did receive my allotment. They then started charging my account XXXX late fee which I never signed for a loan with them and in my old contract there is not a late fee of XXXX. This fee then made my account looking like it was pass due and they are reporting me and being 30 days late. I have made extra payments and my allotment is set up for XXXX which my payment by contract with XXXX is XXXX. I have called this company every month requesting a statement of the applied payments and that to remove late fees since its not in my contract. They tell me to look online and I have told them I want a physical statement sent my house. We never received a physical statement. We paid this loan off. This company is breaking many lending laws and practice is very shady. I want the late payments removed off my credit report.
Product: Debt collection

TRANSFINANCIAL COMPANI ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) is claiming that I owe them {$400.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Checking or savings account

Capital one continues to go into my account and steal funds, they were told multiple times that there wee multiple charges from XXXX and that nothing was received, no order was placed and instead of getting the money back they continue to double and triple charge the account. 

When Capital one is called all they do is give me the run around, also they transfer calls to an offshore account where people are unable to communicate in English, making it extremely difficult to communicate with them. There are multiple charges on the account that are not supposed to be there. 

If I received nothing from XXXX why are they charging
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for inaccurately reporting information on my credit report, which violates the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. 

Account XXXX : XXXX Creditor : XXXX XXXX The payment history for this account incorrectly shows a XXXX late payment in XX/XX/XXXX and subsequent charge-offs in XXXX and XXXX. This is inaccurate, as the account was closed by the creditor in XX/XX/XXXX. According to XXXX XXXX compliance standards, no late payments should be reported after the closure date. Specifically, the reported late payments and charge-offs after XX/XX/XXXX are erroneous. 

The first date of delinquency does not match the timeline of subsequent late payments. 
There is a XXXX late payment inaccurately reported for XX/XX/XXXX. 
The creditor closed the account in XX/XX/XXXX, and no late payments should be reflected post-closure. 
These inaccuracies have adversely affected my credit score and financial reputation. Despite my attempts to resolve this directly with Experian, the errors persist.