23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a local call today from Source Receivables Management ( Source RM ). The caller brought up information regarding a debt from XXXX XXXX XXXX. I had no knowledge of this debt and the caller requested that I make a payment today. There has been no verification of this debt nor have I received any documentation from the company by mail. After conducting personal research I realized that this company is trying to re-age a debt that has ran the statute of limitations. This debt has been removed from my credit report as of XXXX/XXXX/2014. I am filing this complaint due to unscrupulous business practices and lack of ethics. No action can be taken on this debt and I need the phone calls to cease immediately.
Product: Payday loan

keep getting phone calls from debt collection agency. 
they claim i owe a debt to an internet payday loan company. 
I never received any money in my account from this company. 
The debt collector is concord resolutions llc. their phone number is XXXX XXXX XXXX. I never got any paperwork or money form the company they say i owe money
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
Account name # XXXX  XXXX Account name # XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX  XXXX Account name # XXXX  XXXX XXXX Account name # XXXX  XXXX XXXX Account name # XXXX  XXXX XXXX ACCOUNT name # XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX # XXXX XXXX XXXX  XXXX Account name # XXXX XXXX  XXXX Account name # XXXX  XXXX XXXX Account name # XXXX  XXXX XXXX I looked at my experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i5 they are suppose to do this ( 5 ) treatment of inaccurate individual about who the report relates according to 15USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are suppose to do this 5 treatment of inaccurate or unverifiable information ( A ) in generalllf after any reinvestigaton under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information of file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information taht the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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

This is my sixth 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.
Product: Debt collection

Commonwealth Financial Systems , Inc. has added to my credit report a collections for two amounts, One being for {$1200.00} and the other for {$1400.00}. I never received anything info which would allow me to right to dispute this claim. This is violations of FDCPA. And also violations of HIPPA since this is a claimed medical debt that I have no knowledge about.
Product: Debt collection

A company by the name XXXX have been trying to collect a dept through collectors on my credit for the amount of {$230.00} that I have no knowledge of. These unfair practices is prohibited by the FDCPA. 
They furnished this account that we did NOT agree upon and did NOT sign an agreement. A legal contract is signed by two parties and I did NOT participate in any of it. They did not follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX RE : XXXX Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Copy of ID, Proof of Address, Supporting Documents ]
Product: Debt collection

On XX/XX/XXXX, I sold A van I owned. I sent the release of liability to the DMV the same day I sold the van and that was the last I heard. On XX/XX/XXXX I received a notice from a collection agency for tow fee 's, this was the first I was notified of any issues with the vehicle I sold. We 've had a problem in our neighborhood with mail being delivered to wrong address or not all so i 'm not certain that the tow company mailed me something as the collection agency claims as they have not provided any proof of that mail ever coming to me. On XX/XX/XXXX I sent a written letter along with supporting documentation that I sold the car back in XXXX. The collection agency responded and I received a letter on XX/XX/XXXX stating my dispute was not valid and a copy of tow paperwork stating the car was sold for {$170.00}. They are telling me I owe {$1700.00} for storage for a vehicle I clearly sold and have proof I sold it. The collection agency tells me it the tow was for a police impound and where the car was towed from is in close vicinity to the person i sold the car who is listed on the bill of sale. I 'm not certain what happened when I sent the release of liability to the DMV as the car had XXXX License plate I 'm not sure if XXXX forwarded to document to XXXX. What I am positive of and under penalty of perjury I sold the car and followed the steps I needed to take to remove myself from liability. I even cancelled my car insurance. I accepted a job as a flight attendant and moved out of the State of XXXX in XXXX of XXXX. The collection agency told me I need to pay the debt and then sue the person I sold the car to in small claims court. That sounds to me like a sold a car for {$100.00} and now owe {$1700.00} plus small claims and I will be out all that money. This does not seem legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE REQUEST. EQUIFAX IS NOTHING MORE THAN A BUNCH OF CRIMINALS AND XXXX. THE COMPLAINT IS THAT YOU DID NOT RESPOND TO ME ABOUT MY COMPLAINT IN 30 DAYS, TO WIT ... .. 

YOU DID NOT DO YOUR INVESTIGATION IN 30 DAYS. I DARE YOU TO RESPOND TO THE ACTUAL COMPLAINT. RESPOND TO THE FACT THAT YOU DID NOT INVESTIGATE IN 30 DAYS. REFRAIN FROM YOUR LENGTHY, FULL OF XXXXXXXX  RESPONSES, THAT ARE INTENDED TO CONFUSE. 

RESPOND ONLY TO THE FACT THAT YOUR INVESTIGATION WAS NOT CONDUCTED IN THE LEGAL FAIR TRADE CREDIT REPORTING ACT 30 DAYS.
Product: Debt collection

On the XXXX XXXX of XX/XX/2023, I reviewed my credit report and saw that I had an unknown collection account from Consumer Adjustment Co. for an alleged debt in the amount of {$660.00} from a creditor XXXX XXXX XXXX. The information claims I opened the account in XX/XX/2023 and was 4 months late before transferring to collections. First and foremost, I have no idea what this debt is and who is Consumer Adjustment Co. I have informed delivery for my postal mail and have never received any communication from this agency whatsoever regarding this debt., so I am unsure how they were able to report this erroneous information to my credit file without any type of notification to the consumer of their intent.
Product: Credit reporting or other personal consumer reports

This is the second formal complaint about portfolio recovery associates to the CFPB. XXXX XXXX at XXXX XXXX I received a voicemail stating the following. " This message is intended for XXXX XXXX. My name is XXXX calling in regards of legal complaint. Scheduled to be filed out tonight with case number XXXX. If you will not be available to receive and sign for the legal documents coming to your current residence or place of employment, you will need to contact the issuing office immediately It is It is urgent they speak Today or they will be Forced to move forward without your participation or consent You have been notified.. '' I returned the phone call on XX/XX/2025 at XXXX XXXX and spoke to a gentleman name XXXX. I informed XXXX to cease and desist any further communication with me, or be in violation of ( FDCPA ) 15 USC 1692 C ( C ). XXXX was extremely unprofessional and rude. He hung up on me twice. I called back the third time and spoke to XXXX again while he thought it was funny talking to me while chewing on ice in my ear, very unprofessional. XX/XX/2025 at XXXX XXXX someone knocked on my front door trying to serve me court papers. This person was caught on home video surveillance, taking pictures of my personal assets. I confronted the individual about the photos being taken, and I was told. hey pal, Im just doing my job. I have sent XXXX individual letters to portfolio, demanding cease, and desist regarding this alleged debt. The statute of limitations are up and portfolio recovery associates are in violation of, ( FDCPA ) 15 USC 1692 C ( C ). I have meticulously documented XXXX violations from portfolio recovery associates. I will be taking appropriate actions, including filing a formal complaint and seeking legal recourse for these violations.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to inform you that I have been a victim of identity theft. After conducting research on how to remove the fraudulent items from my credit report, I discovered that I need to file a report with the Federal Trade Commission, which can be done at XXXX. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to remove any items listed in an identity theft report.

Enclosed are the necessary documents to assist in the removal of the erroneous information currently appearing on my report. Below is a list of items that do not belong to me or were opened without my authorization As stipulated in FCRA Section 605B ( a ), credit reporting agencies are required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt of this request. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX Creditor : CAPITAL XXXX XXXX .A. ) XXXX Balance Owed : {$490.00} PORTFOLIO XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$4100.00} DP OF XXXX XXXX Balance XXXX : {$3600.00} XACTUS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan

On XXXX XXXX, 2016 I paid {$55.00} ( receipt ) is attached. That brought my remaining balance to {$300.00}. The lady advised that since I was just renewing my loan I would have to write her another check for {$350.00}. I explained that I did not have any more checks. She said you can bring your check in when you get it, but just pay the {$55.00} to avoid the check being deposited. I went to the loan store on XXXX/XXXX/16 to render the check. She told me that they had cashed the original check for {$350.00}. She apologized and said that all she could do was possibly refund the {$55.00} I paid ( when i asked for the refund she said she could not do it at this time ). My complaint is that my balance owed on my account was {$300.00} on XXXX/XXXX/2016 and they cashed a check for {$350.00} on XXXX/XXXX/2016. I did not authorize that transaction and it is fraud. They told me if I paid the {$55.00} to renew my loan they would not submit it to be cashed as I had settled my debt with them.
Product: Debt collection

Calls up to XXXX times in a week, saying " If you do n't respond to our calls for our debt collection, we ca n't be responsible for you going to jail. '' What debt? I 've asked them who this XXXX or XXXX is, they get snotty with me, tell me to confess I 'm what 's his name and tell them my address, insert unknown name here. And then they 've said, " We 're just going to blow up your phone, so you might as well start by sending us XXXX XXXX dollars as your first payment. '' Payment for what? I do n't owe these clowns or anyone one else anything. Tell them to stop threatening me and stop making ANY contact!
Product: Checking or savings account

I am in a little financial distress and I called a banker at Wells Fargo to address some issues. 
I knew I had a bunch of things coming out of my account and a way to make sure they were not going to come out of my account. 

The banker told me if I changed my card that I would have to reconnect to any bill to have it come out of my account. I needed a new card because of a damaged chip anyways. 

This was not the case the company that pays my rent on the first of the month still came out. It breaks the payment up and charges me the first half on the first and the second half later on in the month both payments are XXXX plus another XXXX XXXX  charge. I was planning on breaking my lease and had already talked to the property manager about it. I also had a XXXXXXXX XXXX charge come out as well. This drained my account and made impossible to do my job and multiple other problems
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my transunion, experian, and equifax credit report. XXXX XXXX XXXX, opened : XXXX, Account number : XXXX, XXXX XXXX, opened : XXXX, Account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over year and a half, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX Experian and XXXX XXXX to reset my credit to XXXX because they allowed someone to use my information and they ran my credit in the dirt and the Credit bureau and government promised to fix it and reset it but doing nothing my life is very difficult cant file taxes cant apply for employment nothing or get anything because my credit is poor because of the credit bureaus XXXX and im very upset and is in a hard place me and my family this is not right my credit is going no where
Product: Mortgage

My XXXX was transferred to Mr Cooper I'm not able to access their website to make a payment my payment will not be able to be made until it's late I have not received any paperwork or contact by them.
Product: Student loan

I am writing to formally dispute the legitimacy of my student loan obligations currently held by Nelnet. Due to serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974, I hereby demand the immediate cancellation of all financial obligations and accrued interest related to these debts. 

It has come to my attention that my personal, educational, and financial information has been improperly accessed by unauthorized third parties, including XXXX, XXXX XXXX, and affiliated entities on XX/XX/XXXX. This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law.

Legal Grounds for Discharge : FERPA Violation : The exposure of my educational records without my expressed written consent is a direct breach of FERPA, which mandates the protection of personally identifiable information of students.

Violation of the Privacy Act of 1974 : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals data managed by federal agencies and contractors.

Breach of Contract and Data Security Obligations : By failing to protect my sensitive information, Nelnet has breached contractual terms and obligations, rendering these debts unenforceable.
Product: Mortgage

I requested a history statmente for a closed Bank of America HELOC The bank refused to Email or Fax the statment. 
I provided account number and SSN yet they said we have to ask you secuirty questions, whitch was which of these phone numbers was yours? 
some of the questions was about information from 20 years ago!!!! 
i need the statment so i can close on another house in 10 Days they refused to supply me with information.
Product: Credit card

My Wells Fargo credit card was charged {$1500.00} on XX/XX/2023 for XXXX Web services. I was initially contacted by the company via text message for possible fraud. I initially did not respond because I thought this may have been a phishing attempt, but when I noticed the charge on my statement I immediately contacted the company, perhaps only a day later and initiated a fraud claim. They issued me a new credit card, however, the charge was posted to my new credit card and I never received a credit for the amount that was fraudulently charged to me that I had paid when I paid off the balance on the account.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Account # beginning with XXXXXXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX XXXXXXXX XXXX Account # beginning with XXXX XXXX XXXX XXXX XXXX Account XXXX beginning with XXXX XXXX XXXX XXXX Account # beginning with XXXXXXXX XXXX XXXX Account # beginning with 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. I did not give them 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.