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

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

Account Name : XXXX XXXX Account Number : XXXX  Account Name : DEPTEDNELNET Account Number:XXXX Account Name : DEPTEDNELNET Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

On XX/XX/ 2020 I applied for a home loan refinance in which i was made aware of a collection from XXXX XXXX. My wife called the collection agency on XX/XX/2020 to inquire on it. The collection company Sequim stated that the account shouldn't be in collection and directed her to direct tv. She was on the phone between department to department to get a letter that this is an error. Each operator would just pass her off to another operator and nothing was resolved. There was nothing showing I owed this debt and yet we can not get it removed.
Product: Credit reporting or other personal consumer reports

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation 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 from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXX Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry XXXX XXXX
Product: Debt collection

I got sued after Dobberstein Law firm purposely tried to have it served at wrong address to get the judgement in their favor than after it was in their favor sent me a copy of the complaint. Never once have I received the original amount of what the loan was where all the interest came from. I have just like others as there is a laundry list of people they have done this too. Than I sent a letter to the court regarding this along with a garnishment statement filled out and shocker under the federal poverty level. Now with ZERO contact from these people they have successfully had my check garnished by sending the garnishment paperwork to the wrong address. The amounts are above the 4 % yearly allowed post judgement interest. The original judgement amount was {$2900.00} somehow now is {$3600.00} plus dollars and I still dont even know how its {$2900.00} cause I have never gotten any paperwork I asked about including original loan paperwork. They know where I work they know where to send letters to my actual address not a prior address just so they can get a garnishment to go through. This law firm if you can even call that keeps to this to so many people and everyone complains files complaints and nothing happens to them and the keep getting away with unlawful collection practices repeatedly
Product: Credit card

i paid a company for an at home business that i had come to realize took my money and did not provide me with any service at all.when i realized i had been scammed i called my discover card for help.i told my card company i did give them my information so it is not a billing dispute but more for services were never rendered to me at all.of coarse the company sent in the contract as i knew they would.they should have to prove they did the work for me.discover seems like they looked at the contract and that was it.this company is taking advantage of the XXXX and getting away with it.i wanted discover to look into it.all they kept telling me is i was out of the guidelines for a dispute.i would still like discover to investigate it .i paid them XXXX on discover and more money on other cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Including documents from Discover Financial and correspondence detailing abuses.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I contacted Service Loan located at XXXX XXXX XXXX XXXXXXXX XXXX tn to make my payment and let them know it wasnt very professional of them to contact me 5 times at my job with one voicemail. 3 times on personal cell with one voicemail and also letting my references know that I was past due on my account within an hour. I told them I was only 6 days past due and that I wanted to cease and desist all collections because it was unacceptable. XXXX threatened me with an attorney. I asked for his supervisors number so he gave it to me. I contacted XXXX and she has yet to return my calls. I have left a voicemail. I told her that I needed to speak to her about this matter and if needed I would hire an attorney because I was threatened when my account is current and up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/ requesting the investigation, verification and update of these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XXXX XXXX XXXX and I'm including it again. The following accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$1900.00}, must be updated to reflect accurate information on my Credit File.
Product: Checking or savings account

Hi on XX/XX/2022 Discover XXXX had a glitch in their system which caused double ACH withdrawals out of some people 's accounts. This caused a scary sounding overdraft emails to go to these impacted customers, followed shortly by a scarier sounding debt letter to arrive in the mail ( i.e. your account is now in debt and we are trying to collect these funds ). 

Neither email or letter were true since it was an error on the Discover XXXX side but nonetheless this caused big alarm among impacted customers. CFPB should examine WHY this happened with Discover Bank and what procedures they are putting in place to ensure this does not happen again. I've never had this happen at a bank EVER so how bad is the tech stack back end at Discover XXXX  for 1 ) for this to happen in the first place and not get caught 2 ) for both the scary sounding email AND scarier sounding letter to go out that made it seem the end consumer was in debt to Discover XXXX  which was not true and based solely on an error they made which caused alarm amongst their customers. 
3 ) No apology has been provided by Discover XXXX  although their customer service reps are well aware of it when you call in.
Product: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 


On 10/10/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Checking or savings account

I signed up for a U.S. bank checking account and was told that I need to make direct deposits totaling {$10000.00} in order to receive {$500.00} as a new account opening bonus. I made an initial direct deposit of {$200.00} and then a second direct deposit of {$9800.00}. The amounts were greater than {$10000.00} USD. U.S. bank employees repeatedly provided me false and untrue information and lied to me about the terms of the new account bonus. First, they told me the wrong deadlines. Then, they told me not to worry if my second deposit arrived a bit late and that an exception will be made. So I initiated the second deposit after clarifying the misinformation and the second deposit arrived 4 days late. Originally I was told that I had met the direct deposit bonus and would receive the bonus. Then, on future calls I was told due to compliance reasons that I would not be receiving my bonus. This is an incredible scam and I met the terms of the bonus and I followed the instructions of U.S. bank employees. I deserve my {$500.00} bonus. All communication with U.S. bank is recorded so if these terrible people would just listen to the recordings maybe they would have the integrity to honor their legal agreement with me to provide my account bonus.
Product: Credit card

In XXXX. Chase bank decided on a whim to close 5 of my credit cards. 2 were personal cards. 3 were business cards and 1 of them included a business card for my wife.

They stated they didnt agree with my spending habits. But did not specify. Since then we can not get any chase products. 

We have no history of fraudulent activity. No breaking of the rules for spend. And have never been late, over drawn, or had any negatives on our accounts. 

This is absurd. And hindering my ability to do business and scale. This discrimination has cost me and my company $ XXXX of dollars.
Product: Debt collection

I tried to verify any debt I may have had with XXXX XXXX XXXX by calling the company, which is listed as original debtor. XXXX XXXX XXXX told me on the phone that they have never had a debt listed in my name. I tried calling NATIONWIDE RECOVERY SYS. They could not provide me with an original signed document I have with the original debtor. I dont know why its listed on my credit report severally damaging my credit score. I am a XXXX Veteran who suffers from XXXX and living on a fixed income. I'm deeply concerned that this erroneous debt listed in collections on my credit is hindering my future financial or even employment opportunities. I've never owed either company money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX  XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2, and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer provides an identity theft report, credit bureaus must block any information identified by the consumer as a result of the identity theft within four business days. 

The following information on my credit report is the result of identity theft and must be blocked : Account | Account Number | Date Opened COXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by XXXX U.S.C. XXXX, please block this fraudulent information from my credit report immediately. This information must remain blocked for XXXX year, after which I can request an extension. During the blocked period, no fraudulent accounts or inquiries should be reported. 

I have contacted Equifax multiple times regarding these fraudulent accounts and inquiries on my credit report, and no solution has been provided. I am deeply affected as this information is not mine and it is harming my creditworthiness. I request all documentation proving that these accounts and inquiries are legitimate. I have requested a response from this agency, and after more than 60 days, I have received no response. 

Please assist me in removing these accounts and inquiries immediately. I am attaching the FTC report, hoping it will help you make a better decision regarding my situation. Thank you. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan

Embarrassing phone calls made to my work of employment, harrassments made to my supervisor as well myself. I am currently a single mother trying to get a place for my son and myself, no vehicle and recently divorce.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and removed from my credit file. 
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 Credit report agency reporting incorrect account and refusing to remove it from my credit report. They say this negative report will stay for 7 years. 
Account is not mine, I don't have to pay for it. Experian refusing to resolve it and start blocking my dispute request ( computer states that I can not longer to dispute ). 
Experian investigates 3 times and they saying account is correct they will not remove the charge. 

CFPB also investigated this company reporting incorrect account - complaint with your agency number XX/XX/XXXX-XX/XX/XXXX. Please investigate Experian for reporting incorrect activity on my credit report. Please provide all documentation that Experian received from agency which they think is enough to state that account is mine. Thank you
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1500.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating 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, XXXX '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello it still says I owe {$25.00} but that was paid in full AMERICAN HONDA FINANCE Last reported XX/XX/2021 {$25.00} Reported balance Highest balance {$13000.00} Nice! You've almost paid off 100 % of this loan
Product: Debt collection

Collection agency calling me and my wife everyday at inconvienient times while at work an at home. They say I owe {$1100.00} which is absolutely false and untrue. They said I would be reported to the credit bureaus that would ruin my credit if I didnt make a payment to them. I have never done business with this company in my life and this is the XXXX time I 've even heard of this 'company '
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the unresolved issues concerning a late open account, charge off, and late closed accounts on my credit report, despite my twelfth attempt to rectify the situation. 

Despite providing extensive documentation and diligently following the prescribed procedures, these inaccuracies persist on my credit report. 

I request that you conduct a thorough investigation into these matters and take immediate action to correct the late open account, remove the charge off, and late closed accounts from my credit report. Additionally, I expect to be kept informed of the progress made in resolving this matter. XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$160000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXXXXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX  XXXX {$6100.00} XXXX XXXX {$1300.00} XXXX XXXX {$880.00} XXXX XXXX {$650.00} XXXX   XXXX XXXX {$550.00} XXXX XXXX {$4300.00}