23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I found this collection account from Ad Astra Recovery Systems, Account Number, XXXX on my credit report and saw it was for a company called speedy cash. It has a date of XX/XX/2018. The amount is XXXX I researched SpeedyCash.com-168VA and they are not in my local area and are a payday loan company. 

In XX/XX/2018 I was unemployed and have no knowledge of this loan. I have disputed this twice and they come back from the dispute and confirm it as accurate. I explained in my dispute that I had a joint checking account that had individual accounts attached to it and someone in my home with access to all my information. 

I have no prior knowledge of this and would not have been eligible for a payday loan.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX
Product: Debt collection

Mailed a letter and ask for Validation of this debt. The company have not responded to me as of today XX/XX/2018
Product: Credit card

From the end of XX/XX/XXXX until XX/XX/XXXX, approximately {$5000.00} worth of in-game currency was charged to my son 's account across various platforms such as XXXX XXXX XXXX XXXX XXXX XXXX, using XXXX 's XXXX and XXXX ID account via Apple Pay. I was astounded to learn that with XXXX 's Family Sharing, unauthorized transactions could be made using only the card number associated with the Apple account, without requiring the security code. Despite numerous attempts, my requests for a refund for these unauthorized charges have been repeatedly denied by Apple, and I have not received a clear explanation for the refusals. 

My specific request to Apple was to ascertain where these unauthorized charges originated from, given that the purchases were made while I had physical possession of my son 's XXXX. Apple insisted that all transactions were conducted from my son 's XXXX, yet there is no purchase history or any trace of in-game currency purchases on my son 's accounts for XXXX XXXX and XXXX. Consequently, I have urgently requested refunds from both XXXX and the respective game companies, as they have informed me that only Apple has the authority to issue refunds. However, Apple has consistently refused to take responsibility and denied all of my refund requests. 

I firmly believe that I have the right to request refunds for unauthorized transactions made on my XXXX son 's account. Furthermore, I am suspicious of potential hacking of the XXXX ID account. Apple 's payment system appears to be highly vulnerable, and as a result, I have suffered significant financial losses, totaling approximately {$5000.00}. I urge Apple to take responsibility and provide the refunds promptly.
Product: Debt collection

Received three mailings from XXXX, The XXXX XXXX XXXX at the end of XX/XX/XXXX. One stating account is delinquent, one with a Final Settlement Offer and one a statement copy. Account number XXXX. Called XXXX on XX/XX/XXXX and spoke with XXXX. I advised that I had never had an account with XXXX. She asked for the last four of my SSN and confirmed that I am not the person they are looking for. 
Received another mailing dated XX/XX/XXXX from XXXX Administrative Offices, XXXX XXXX XXXX XXXX, XXXX, FL XXXX regarding XXXX XXXX XXXX XXXX XXXX on XXXX Credit Card account. Called XXXX on XX/XX/XXXX and spoke with XXXX. He could n't find any record. Sounded clueless. 
Two phone calls now, one on XX/XX/XXXX from XXXX, voice mail stating I needed to call. I did n't. Another call today and my XXXX year old mom answered. Rude gentleman stating I needed to call. Claims he is from some Recovery service. Same number XXXX. 
I do n't owe XXXX anything. I 've never even set foot in a XXXX store. 
I want whoever this is to stop calling and harassing me. 
The calls upset my mom.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Date : XX/XX/year> To : Credit Reporting Department XXXX : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by XXXX, Experian or XXXX. This request is based on the recent deletion of an account by XXXX, one of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$30000.00} from XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of, XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting

On XXXX XXXX, 2016, I used Experian.com to check my free credit report and agreed to pay {$1.00} to obtain my FICO score along with my credit report. I was then, without my knowledge or consent, signed up for a credit monitoring service. No e-mail communication from the company ever indicated that I had started a free trial, or that I needed to cancel within a specified time period in order to not be charged. On XXXX XXXX, 2016, I was charged {$21.00} for " credit monitoring '' -- service that I neither desired nor solicited. I called Experian on XXXX XXXX, 2016 in order to obtain a refund for this charge and was told that they are unable to provide refunds for this service. 
I believe that the method by which they are surreptitiously signing up people for this " service '' is both dishonest and disreputable. It even more egregious because it is being foisted on unknowing consumers who are deliberately seeking to manage and improve their financial health -- and instead are being gouged by one of the very companies who instead should be trying to help consumers with financial transparency. 
Experian should be forced to un-bundle the " credit monitoring '' service from the FICO score offer so that it is no leading misleading and deceptive to consumers.
Product: Debt collection

I get a robocall about once a week from a debt collection company called First Point. I  have medical debt due to having XXXX and the treatment that followed. I politely explained to the company that I would gladly pay the debt when I'm recovered and back to work.
Product: Credit reporting or other personal consumer reports

The company keeps verifying information on my credit report without providing any proof.
Product: Debt collection

In 2017 I entered into a consumer transaction with XXXX. Since then I have learned that fraud has been committed against me. 
XXXX XXXX is in violation of breaking a number of consumer protection laws, including but not limited to : 15 USC 1635- Right of Recession. This was not included in my contract 15 USC 1605 ( a ) and 1605a ( 5 ) Finance Charge is the sum of all charges. I was charged, in addition to a finance charge a down payment and additional GAP insurance and fees.

I have signed and notarized all complaints and sent Certified mail to t
he of XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Mortgage

Sent my payment check number XXXX for {$790.00} and wrote on memo it was payment and account number. They applied it to my escrow account which they impound with payments and they applied they payment to escrow. I also sent a escrow shortage payment and wrote that on memo and they didn't apply that to anything? Now they state my payment was made on XX/XX/21 when it clearly cleared the bank XX/XX/21. These errors can affect my credit score and they refuse to correct dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove these fraudulent accounts with these horrible collection agencies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, off of my credit report. Ive notified Equifax multiple times those accounts are not mine. My information was stolen and used to open those accounts without my permission. Ive reported the same information to XXXX and they did their job and removed those fraudulent accounts off of my credit report. That 's real, true customer service with honor! I demand Equifax remove those accounts from my credit report immediately.
Product: Credit reporting or other personal consumer reports

As XX/XX/2023 I have submitted complaints of wrong addresses on my credit report that I have not lived there nor had a lease there. TransUnion, XXXX, XXXX are refusing to remove addresses that I've never lived. This fraud to have and address on my account and I can't remove it I request that all three Bureaus show proof I lived at these addresses. This an action of noncompliance refusal to remove inaccurate information. I don't want my personal information being reported to an address I never lived at. 

Address : 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

Grocery store franchises used my documents as retailers stores products as food products frauding scams using XXXX XXXX products and containers and advertising and post data terminals receipts and SKU number and stock number XXXX scams using hidden XXXX XXXX dressing company XXXX   groceries stores XXXXXXXX XXXX groceries stores XXXX groceries stores XXXX grocery stores XXXX groceries stores XXXX grocery stores XXXX groceries stores XXXX groceries stores XXXX XXXX   groceries stores XXXX XXXXXXXX XXXX franchises XXXX XXXX franchises XXXX XXXX   franchises XXXXXXXX XXXX  franchises XXXX 's resterants franchises XXXX 's resterant franchises XXXX XXXX Dinners thru out the XXXX XXXX XXXX resterant stops diner menus
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a 36month lease with XXXX XXXX. The account was on auto paid and paid on time for 30 months. On month XXXX, for a reason unknown to me, the auto pay date started to kick inn 1 day after the due date, creating late fees. At no time XXXX contacted me by either mail, email or phone to advice that there were late fees accruing on my account. 
I had reach them to get them to remove the charges to no avail, simply because I did not lease a new XXXX vehicle as I had in the past. 
I have sent proof of auto payment to all credit agencies, equifax, XXXX  & XXXX, but XXXX XXXX  replies to them every time that the late payment fees are due. 

attached proof of the last payments
Product: Vehicle loan or lease

on XX/XX/year> I applied for a auto loan with navy federal credit union, despite me being a member for 10+ years they denied me based off the inaccurate information being reported on my credit report. After receiving the letter of denial, I sent them a letter of reconsideration and was told I must apply for a new loan. After I received the letter I sent a response letter and there was a different reason from what the letter said. and I was told to apply for a new loan and I was denied again.
Product: Checking or savings account

My name is XXXX XXXX. I have a checking and saving account with TD bank. On XX/XX/2022, a XXXX transaction for the amount of {$240.00} was posted to my checking. On XX/XX/2022, my payroll from XXXX XXXX XXXX XXXX was post to my checking account. Also, on XX/XX/2022 ; the funds of {$240.00} for the XXXX transaction was withdrawn from my checking. On XX/XX/2022 ; the XXXX transaction for the amount of {$240.00} and {$35.00} overdraft fee were posted to my checking account again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted numerous complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. Please delete account XXXX XXXX XXXX XXXX XXXX for violations of FCRA XXXX XXXX for RE : Insertion of Account with no notice within XXXX days of Re : Insertion. XXXX XXXX is violating specific laws continuously 15 USC 1681 ( XXXX ) ( B ) Accuracy of Report According to XXXX XXXX TransUnion XXXX TransUnion, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( XXXX ) ; 15 USC 1681 ( i ) XXXX ; 15 USC 1681 ( XXXX ) ( B ) I have included copies of credit reports to show that the accounts have been reinserted. 

This is a last ditch effort. I have filed multiple complaints with the XXXX, CFPB, and, XXXX, Trans Union, and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1986 CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports,  blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1986 CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I want to freeze my account on Equifax, but when I try to log in, the website says it can not complete this action at this time. I tried calling the service number, but could only reach a robot.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I never received a welcome package. I have asked for this several times. I finally contacted them through the help of XXXX for XXXX. I have asked them to change my mailing address to the property address and they have not done that. I continue to get harassing mail from them saying they will take my house for non-payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 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: Student loan

I repeatedly made attempts to enroll in auto pay but EdFinancial continues to ignore the request. At one point auto pay was turned on but then turned back off before my payment was due, forcing me to make a one time payment. Because they refuse to enroll me in auto-pay, I lose out on 0.25 % savings on my interest rate. There are many others who seem to be having the same issue with EdFinancial. 

Attached is my proof of requests to enroll in auto pay, and EdFinancial 's lack of setting it up. 


1. XX/XX/2023 - First request to enroll in auto pay 2. XX/XX/2023 Statement says auto pay is not enrolled. 
3. XX/XX/2023 Statement still says I am not enrolled in auto payment. 
4. XX/XX/2023 second attempt to request auto pay. 
5. XX/XX/2023 third attempt to request auto pay. 
6. XX/XX/2023 fourth attempt to request auto pay. 
7. XX/XX/2023 Submitted contact form on website to document my request of why my auto pay was turned on briefly and then turned back off. 
8. XX/XX/2023 XXXX of Ed Financial site that shows I still do not have autopay turned on
Product: Credit card

Citibank became unresponsive. I believe that they sent a corresponding letter in bad faith. The letter requested my bank account number. It was sent in response to a XXXX XXXX transaction dispute request that I submitted. I timely responded to the letter with my bank account number and still no action was taken. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that the wrong addresses that do not belong to me be removed from my credit report. I have sent letters and go no resolve on the following dates this year : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Equifax, XXXX and XXXX has not complied with my request I demand these addresses that do not belong to me be removed immediately. 

Equifax : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX TXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about Experians failure to conduct thorough investigations into my recent dispute regarding inaccurate information on my credit report. Despite submitting all the necessary supporting documentation to support my claim, Experians response was insufficient and failed to address the issues properly. 

I filed disputes with Experian regarding identity theft on three accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experians investigation was lackluster, and the dispute was either dismissed or not thoroughly examined. In some cases, Experian failed to contact the company that reported the incorrect information, which is a violation of my rights under the Fair Credit Reporting Act This pattern of inadequate investigation is particularly troubling given that Experian was recently sued by the Consumer Financial Protection Bureau ( CFPB ) for engaging in sham investigations of consumer disputes. The CFPB alleged that Experian failed to conduct reasonable investigations, which directly impacted consumers like myself. Its disheartening to see that Experian continues to engage in such practices, despite the legal consequences they are facing. 

I am disappointed by the lack of accountability and the failure to provide me with the proper resolution. As a consumer, I expect a fair and thorough investigation of any disputes I submit. However, Experian 's actionsor lack thereofsuggest otherwise. 

I request that Experian re-investigate my dispute in compliance with the law and take all necessary steps to correct any inaccuracies on my credit report. I would also appreciate a more transparent explanation of the actions taken during the investigation and any evidence considered. I am unable to provide any statements to them due to the fact I did not open the account.