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

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, XXXX, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXX il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

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

In accordance with the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

There is an inquiry reporting on my Equifax credit report from XXXX XXXX XXXX XXXX on XX/XX/year> that I did not authorize. The company has not provided any documentation of this inquiry as asked. I did not authorize this inquiry. I have been a victim of identity theft. I have also filed a FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was extorted to pay {$1000.00} + interest to Hunter Warfield ( Collection Agency located at XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ) for fraudulent claim. I received a phone call XXXX, but the message left did not indicate it was from a collection 's agency, so I did not respond. I then received an email from Hunter Warfield XX/XX/XXXX, indicating I owed {$1000.00} to XXXX XXXX XXXX. I proceeded to call XXXX XXXX XX/XX/XXXX regarding the email I received. They did not return my call. I then emailed them and called XX/XX/XXXX and sent certified mail to the office. I still did not receive a response. I then called the office multiple times since, one time speaking with office staff at XXXX XXXX who stated she would talk to the manager and get back to me. I also spoke with Hunter Warfield who stated that I had to pay the balance in full by XX/XX/XXXX or else it would go as a derogatory mark on my credit report. XX/XX/XXXX, I physically walked into XXXX XXXX to find out what I am being charged for. I never received a move out notice and was sent to collections 55 days after moving out, never notified XXXX time that I was being charged with anything. The staff member at XXXX XXXX could not find a move-out notice uploaded. But promised the manager would get back to me. I did not hear from her. I called Hunter Warfield and disputed the charges. They then proceeded to tell me that I even though the charges are being disputed, it would still be reported to the credit bureau and show up on my credit report. I emailed XXXX vista again XX/XX/XXXX, received a quick response from the manager stating she would get back to my Monday, of which I still, Wednesday XX/XX/XXXX, have not heard anything from her. I was forced to pay Hunter Warfield XX/XX/XXXX, so as to not have the charges sent to the credit bureau. According to the Fair Credit Reporting Act the abovementioned collection agency abandons its statutory duty by enforcing a bad collection without proof ; even though, this matter was disputed.
Product: Prepaid card

Re : Dispute of Charge at XXXX XXXX and Venmos CASE # : XXXX EMAIL : XXXX To Whom It May Concern, I am writing to formally request the assistance of the Consumer Financial Protection Bureau ( CFPB ) regarding a dispute with Venmo, a digital payment service, that has been ongoing since XXXX XXXX XXXX  Despite multiple attempts to resolve this issue directly with Venmo, they have repeatedly denied my claim without providing satisfactory explanation or action. 

On XX/XX/year>, I visited XXXX XXXX in XXXX XXXX and attempted to get a cash advance of {$2100.00}. I presented my card and entered my PIN, but due to unforeseen circumstances, I was unable to receive the cash. The casino manager provided me with a receipt, confirming the transaction had been authorized, though no cash was received. This receipt also indicated that the funds were processed by XXXX XXXX, the entity handling XXXX transaction processing. 

Since then, I have disputed this transaction with Venmo a total of XXXX times. Despite my persistent efforts and documentation, Venmo has denied each dispute, directing me to XXXX XXXX for verification. Upon contacting XXXX XXXX, they provided written proof that they attempted to return the funds to Venmo twice, only for Venmo to block the reversal on both occasions. 

On XX/XX/year>, I received a letter from XXXX XXXX confirming these reversal attempts, which I promptly shared with Venmo. Despite providing this proof multiple times and conducting three-way calls between Venmo and XXXX XXXX where XXXX representatives explained the situation, Venmo has repeatedly refused to resolve the matter, often requesting the same documentation that I have already provided. 

This ongoing issue has created significant stress and inconvenience, and XXXX lack of responsiveness leaves me with no alternative but to seek assistance from the CFPB. I am prepared to provide copies of all related documentation, including : 1.The initial receipt from XXXX XXXX 2.Correspondence from XXXX XXXX confirming attempted reversals 3.Records of my communications with Venmo, including submitted dispute forms and responses If this issue is not resolved promptly, I may also be forced to seek legal recourse, as this situation has led to an unjustified withholding of funds. 

Thank you for your attention to this matter. I appreciate any assistance the CFPB can provide in helping me recover these funds from Venmo. 

Sincerely, XXXX XXXX
Product: Credit card

I had a US Bank Credit card for years, It had a limit of XXXX and I used it for my business. I sold my business in XXXX of this year and the company paid the credit card off. I then got a bill and I assumed it was some balance that didnt get in the original payoff so I sent it to the new owner and did n't hear anything. I got a bill the next month and called US bank and found out it was a renewal fee for the year. i told them I did n't want it anymore and they wrote it off and shut the account down. I then got my quarterly update from XXXX XXXX whom I have checking my credit and found US Bank had put a derogatory comment on my credit report and my XXXX score went from XXXX down to XXXX. My XXXX went down from XXXX to XXXX. My XXXX went to XXXX from XXXX. Since I 've always had a good credit score and had never been late on any payments, I filed a complaint with US Bank. They wrote to me saying they investigated my case and decided it was reported correctly and no change would be given. This is not fair.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Request a car loan and denied reached out to ask reason couldnt answer just saying you will get a letter VERY DISRESPECTFUL ANSWER knowing they took my securities so I pulled my score to see for my self XXXX. I got the letter the score is a XXXX Like XXXX so please send the feds to investigate they stealing from consumers like XXXX please investigate navy federal this needs to stop
Product: Debt collection

On XX/XX/2020 Midland Credit Management sent a pre legal no it's threatening to sue my XXXX   son. They have been sending pre-legal letters for the past seven months and threatening to withhold his social supplemental income check. 

Midland credit management is aware that people receiving social supplemental income is judgement proof, however that has not stopped them from threatening to sue my XXXX, XXXX son. 

This has caused for him to relapse in his mental progress as his XXXX and XXXX has gotten worse. However, Midland Credit Management does not care and have been putting pressure on our entire family. Midland Credit Management has already sued me, his mother, now they are threatening to sue my XXXX, XXXX son.
Product: Prepaid card

My purchases have been declined through multiple U.S. based companies and seems like a useless e-gift card.
Product: Credit card or prepaid card

XXXX charged me for a membership after I told them I didn't want to renew my membership. It took longer than usual to get the credit on my credit card. I told Capital One I would not use my card until I received the credit in a check from Capital One. I have notified Capital One numerous times to send me the credit on my card. Capital One has carried a credit for 5 months and refuse to send me a check for the credit. I want my money. Capital One has promised me they would send me a check. They have not honored the promise and are keeping my money. I had a complaint in 2017 with Capital One -- a merchant used my card 3 times without my permission. Capital One insisted I pay the money charged. I am in the process of filing a lawsuit against the merchant to get my money back. I don't want to have anything to do with Capital One. I plan to cancel my card as soon as I get my credit from the XXXX membership refund. How do I get Capital One to send me my money? I have tried to attach a copy of my statement but found it impossible.
Product: Money transfer, virtual currency, or money service

I am deeply frustrated by recent account issues. Despite opting into overdraft protection, I faced delays with a mobile deposit, resulting in a {$20.00} fee. When I called, there was no mention of a check processing wait. In an effort to resolve the matter, my brother, with my explicit permission, deposited the check on my behalf. Shockingly, this led to my account being flagged for fraud. Now, I'm told I must wait five days or visit a branch. As the account owner, this is unacceptable. I am reaching out to a consumer rights lawyer for assistance in resolving this unjust situation promptly. The bank 's actions are causing undue stress and inconvenience. I urgently need this matter addressed and my account accessible below I have a picture attached of what I had to go through in order to review my own account and Im still not able to get into my own account
Product: Credit reporting or other personal consumer reports

ChexSystems is reporting many inquiries which is preventing me from opening a checking account. My score is low and the inquiries are extensive, stemming from 2023. All not authorized/fraudulently done.
Product: Mortgage

My XXXX mortgage payment resulted in my principle dipping below the 78/22 %  loan to value ratio. Im still paying PMI. About two weeks ago I called my mortgage company. They informed me that their escrow department needed to research this and get back to me within 30 days. I explained that I thought this was unacceptable because they could clearly see that my statement was correct and my only other condition for dropping PMI was that Im current on my payments. Over the weekend, I received a statement saying I needed to pay {$470.00} for an appraisal. I called them today, and instead of telling me they still needed to research it, I was told that the Customer Service Reps did in fact have ability to drop the PMI. After he pulled up my records he changed his tune and said that they only service my mortgage and the lien-holder is the XXXX XXXX XXXX XXXX and they already made the decision to not drop the PMI. I then asked why this hadnt been communicated when I originally called, and why I was still mailed a statement requested {$470.00} for an appraisal, to which he apologized for giving me the run around. The mortgage company is called Dovenmuehle Inc and based in XXXX
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Product: Credit reporting or other personal consumer reports

CB Indio has continued to report incorrect information to my consumer report. I have disputed this information multiple times stating I have no knowledge of this account however they continue to report this negative information.
Product: Debt collection

CEASE AND DESIST LETTER From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Date : XX/XX/2025 Subject : Cease and Desist Unlawful Debt Collection and Harassment Dear KIKOFF LENDING LLC, This letter serves as your formal notice to immediately CEASE AND DESIST all debt collection activity and any further communication directed toward me, XXXX XXXX, XXXX ending in XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. 

Your repeated attempts to collect an alleged debt through phone calls, emails, letters, or any other means are harassing, unwanted, and potentially unlawful. Furthermore, I dispute the validity of any alleged debt and demand that you immediately stop all collection efforts. 

Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to : 1. Cease all communication with me except to confirm cessation or notify me of specific legal action.

2. Provide proper verification of any alleged debt, which you have not done.

3. Refrain from any form of harassment, threats, or misleading behavior. 

Failure to comply with this Cease and Desist demand will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office, and may lead to civil legal action for damages.

You have 10 business days from the date of this letter to provide written confirmation that all communication and collection activity has ceased.

This letter is issued without prejudice to any and all rights and remedies available to me under federal and state law. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/XXXX : XXXX XXXX XXXX called me about an outstanding debt. I requested a written invoice or bill to determine if was actually mine. I verified my address and was told it would be sent. 

XX/XX/XXXX : No correspondence from XXXX XXXX XXXX & found out the account was sent to Medicred. Spoke to a rep from Medicred who told me the XXXX XXXX XXXX debt had been forwarded to them for collection. I verified my address & asked for written documentation detailing the debt be mailed to me. 

XX/XX/XXXX : Called Medicred again because I still haven't received anything from XXXX XXXX XXXX or Medicred. Spoke to XXXX and verified my address again & requested a bill or invoice be mailed to me. 

XX/XX/XXXX : Called Medicred again & spoke to XXXX & requested to speak to a supervisor ( XXXX ). My name, address & DOB were verified twice on the call. I again requested a copy of the bill or invoice be mailed to my address. XXXX attempted to get me to validate I owed the {$780.00} debt verbally & not provide the bill. I told him I had not received an Explanation of Benefits ( EOB ) from XXXX for any charges not covered by insurance and need to see documentation to confirm if the debt was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of identity theft, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. here are the list of items that needs to delete in my file ASAP : 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 XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Method of Verification Under FCRA Dear XXXX, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : 1. Account Name : Jefferson Capital Systems, National Credit Adjust, XXXX XXXX, Receivable Management, XXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX XXXX, Reason for Dispute : The above accounts are incorrect for the following reason 1. Closed/charge off accounts recorded as Paid off but the balance is constantly updated. 2. Paid off account but falsely reporting as late. 3. I am contesting these entries as it was added without my authorization. According to the Fair Credit Reporting Act ( FCRA ) section 605B. It is illegal to report information on my credit report without my permission.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification.

Also, ** In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Thank you for your prompt attention to this matter.
Product: Credit card

My XXXX XXXX credit card with Barclay was closed by bank on XXXX/XXXX/16 without any explanation. However I had XXXX reward points accumulated from my previous purchases. I contacted Barclay to redeem my points, but they refused stating that my account was closed and I ca n't redeem any points. I have not violated any rules and I have earned my points according to all terms and conditions. It looks like bank is using these practice to annul points that customers earned.