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

I sent a written letter to the credit bureaus to remove the unverified collection accounts placed on my consumer profile. Credit bureaus refused to remove the accounts. 

I have not given the bureaus any written consent to post the collections on my credit report. 

I sent the collection agency several letters to verify the alleged account. I have only receive a billing statement not the contract or the contract stating how much they have paid for the debt. 

According to federal law 15 6802 no financial institution can not sell a consumers information to a third party agency.

According to 15 USC 1681 b- permissible purpose- Consumer have not provided any written consent for any of the collection to report to my credit report.

According 15 USC 1692 b ( 2 ) - stating a consumer owes a debt is a violation.
Product: Debt collection

There are XXXX amounts this company says I owe them XXXX for {$75.00} and the other for {$1800.00} as of today. Previously, about 6 months ago it showed I owed them over XXXX dollars. The amounts keep changing. I sent a validation of debt request to this company via certified mail and it was signed for and received on XXXX/XXXX/16. I waited for over a month with no response. On Friday, XXXX XXXX I called this company and asked them why I have not rcvd a response and the rep advised me they rcvd a notice but had not responded to me which violates fdcpa.
Product: Debt collection

On XX/XX/2024 a big impact was made on my credit as a new debt account was listed reopened at {$4300.00}. It was recently taken over by a company called lyons , doughty & Veldhuis P.C where it was originally owned by XXXX  XXXX in XXXX of XXXX. There was no attempt of any communication until recently when they ATTEMPTED to send me a certified letter in the mail. I did NOT receive it as I was not home to sign for it. I then have reached out multiple times requesting a full validated purchase agreement as the information doesnt seem very solidified on their end and they have failed to do so.
Product: Credit reporting or other personal consumer reports

I am writing in regards to the above referenced debt to inform you that I am disputing this debt. 
Please verify the debt as required by the fair debt collection practices Act. 
I am disputing this XXXX XXXX debt because I do not owe it. Usc15
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 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: Credit card or prepaid card

There was a withdrawal of {$1000.00} from my Bank of America PrePaid card that I myself did not make in XXXX XXXX. I called to make a claim regarding that XXXX XXXX and they told that they would look into it, XXXX XXXX I received a letter stating that my claim was closed. I called again to have the claim reopened since I did not make that withdrawal. They have asked me to send in a photo of my ID to compare to security cameras where the withdraw was made, as well as call back every week to check in. As of today XX/XX/XXXX I still have not received my credit. I have done everything they asked me and they keep giving me different stories everytime I call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, Carmax repossessed my car and said that I had to pay to get my car back. This is not where the fraud ends! Pursuant, 15 U.S. Code 1605, finance charges are explained. Built into the finance charge is an insurance that protects the lender in the event the obligor defaults. Carmax sold my car in auction. I defaulted on XX/XX/2019. Which means Carmax received insurance money! They took it even further and put it on my consumer report stating it as a charge-off. Well, according to the IRS, when a creditor cancels a debt or file a form XXXX on any amount over {$600.00}, they must send the obligor/consumer a form XXXX. {$13000.00} was written off. I never received my form XXXX for this cancelled debt! A cancelled debt means exactly what it says, a cancelled debt! So, how did they coerce me into paying the balance? They have deceived me, and they have frauded me! In addition to the insurance money they collected, the IRS classifies a charge-off or cancelled debt as gross or income! You are reporting a charge-off on my consumer report. Income does not get reported on my consumer report! This is inaccurately reporting this account! Furthermore, Carmax has committed tax fraud! They have this account reporting on my consumer report as a cancelled debt, meaning that portion of the debt has been cancelled.
Product: Payday loan, title loan, personal loan, or advance loan

Albert corporation won't let me cancel my account and they keep forcing me to pay a {$XXXX} a month fee to watch my account. They also take out other money like rainy day fund. I have filed claims with my bank, XXXX to be exact, and also put XXXX stop payments on them with my bank. They keep going in under different names. I need these people to be out of my account. Thank you
Product: Mortgage

My wife had a XXXX back at end of XXXX and has finally returned to work full time at end of XXXX. I reached out to XXXX and asked about assistance with out payments and tried to work out something since we fell behind from XXXX to XXXX - due to wifes medical problems. 

I submitted all of the docs required by XXXX and they reviewed the account. They sent me multiple payment plans to try to get caught up. However, my normal payment is XXXX. They new payments proposed by XXXX were over {$1900.00}. If I was having an issue paying XXXX how can I afford over XXXX. 

I had asked about even doing a interest only payment for a few months and they denied this as well. 

I was asked on XXXX to resubmit new docs for assistance. I have submitted these docs 3 times over the last 3 months. 

I need help to get caught up. I would like to pay interest only for 3-4 months starting in XXXX or would like to have the missed payments added to the end of my loan and start paying the XXXX beginning in XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt or credit management

Bright Money charged me {$89.00} for fraudulent membership to their financial services that were never provided. Charged to my checking account on XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

four fraud accounts have been reporting on my credit file, for the longest time, and i have been disputing these inaccuracies, with equifax credit reporting agency, they have not been helpful at all, and XXXX and XXXX have deleted all these inaccuracies except equifax. and they are not even listening now to what u have been trying to explain and they are placing inaccurate disputes and wrong explanations for each disputes. please help me out, i have researched and found out that you are here for consumers to back them up, so i am writing to you in this regards, these few months have been disaster for me and my family. i have never lived under the address the addresses that they are discussing i keep explaining but they dont care. 
please have all these inaccuracies removed from equifax sporting. XXXX bless you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the following accounts below & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

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

I am writing to dispute accounts on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these accounts and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNTS CREDIT COLL ACCOUNT NUMBER XXXX AND XXXX. XXXX XXXX ACCOUNT
Product: Credit card or prepaid card

on XXXX XXXX Someone took cash advance off my credit card XXXX plus cash advance fees XXXX in XXXX XXXX XXXX XXXX  XXXX XXXX I was not in XXXX XXXX on this date I live in XXXX and was home during this time. The next day on later on this day not sure I wanted to use my card and it was denied I called and ask why the credit card people said there was suspicious activity on card and we cut it off was it you I said no it was not me Im in XXXX  They said we will send a new card out! Then I get the bill for these charges XXXX cash advance charges and fees I call I dispute these charges they said they investigate within 4 days they denied it said I had card still in my possession I said but I didnt do it they said a card with my pin was used I said I read in XXXX skimmers are being found with cameras on them that is how peoples pin stolen they still denied it. Now weeks before this happen I was in XXXX visited a friend used atm at a XXXX XXXXtore ATM outside to get cash but his was weeks before maybe a month no where near this XXXX XXXX area on this date. I am a honest man I would not say it was not me if it was What M & T credit is calling me is a XXXX and XXXX and I won ; t stand by for this I did not do this!!! Im so upset I dont know how this happen I would never go into this high crime area and withdraw cash I sent them police report # and my GPS info and still they denied said i have to pay I cant do this on fix income and I cant because i did not do this!!!
Product: Credit card or prepaid card

Hello, Hope all is well. I was charged double by a movie theatre - XXXX XXXX - XX/XX/XXXX - for tickets I bought online. There is no reason I would pay 2 times for the same movie, on the same time, at the same night, for the same seat. I opened up a claim in about a week or so after seeing the charge. 

I opened a claim with my credit card company to get a refund as I did not authorize payment but it was subsequently closed for no reason. 


The claim id or reference number is : XXXX
Product: Mortgage

In XXXX of this year 2020 my VA loan was sold to Nationstar Mortage. In the correspondence, the selling agent stated unless I chose to obtain a different lender, all aspects of my account would stay the same. I was enrolled in an accelerated payment program that deducted 1/2 of my mortgage payment biweekly which would result in an additional payment or 2 at the end of the physical year. I contacted Nationstar to inform them that I was in the accelerated program and it was my understanding that the payment arrangement would remain the same. The customer service representative told me that they did not have any such program. All payments made were to be in full on the designated due date. Any partial payments made would not be applied to the loan and sit in a temporary count until the full payment amount was collected. Any funds sitting in the temp account for too long would be returned to the sender. In addition, he expressly told me there were 2 avenues to making a payment ; sign up to have the full amount debited from my account at no charge or pay a fee to have bi-weekly debits from my account. I chose neither. I arranged through my bank to make bi-weekly payments just as I had done over the previous 15 years of the loan. Each payment has sat in an unapplied payment account all too often resulting in missed monthly payments and late fees being incurred. Just recently I was informed that my loan was in default for the same amount that sits in an unapplied account. While Nationstar did not honor the previous payment arrangements as agreed when they bought my VA loan, they are purposely not applying any and all payments sent throughout the billing cycle resulting in late fees and now delinquent payments that could be avoided. Each time this happens it adds to the life of what should be 15 years left on a 30-year loan. No matter when any payments are rendered it should be applied directly to the loan upon receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX # XXXX amount {$400.00} XXXX XXXX XXXX # XXXX {$610.00} XXXX XXXX # XXXX {$240.00} 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 states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I received a notification that Way Point Resource Group has opened a collections account for {$180.00} for XXXX in my name. I was a XXXX customer until summer of XX/XX/XXXX at which time I cancelled my services and returned all equipment. I was told my account was settled and the matter closed. I then received a collections letter on or around XX/XX/XXXX from a XXXX XXXX XXXX alleging that I owed {$220.00} to XXXX for unreturned equipment. I advised them that everything was returned and that my account was paid and asked for validation of debt ( please see attached email ) They responded that they would process it and mail validation. I never heard anything and the account disappeared from my Credit report so naturally I assumed the matter closed. Now I receive notification that I have a new collections account for XXXX for {$40.00} less. This is absurd and I have tried calling Way Point but  have not been able to get through. I only get an automated system that says " Please hold for the next caller '' I do not owe this debt, all equipment was returned and everything paid. You are damaging my credit.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Captial One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Eletronic Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are held up. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. This debt is not mine and this is defamation. I need this debt to be removed immediately. I am verifying that this is me who is disputing these items. I need this removed asap
Product: Credit reporting or other personal consumer reports

I am requesting for all old addresses to be removed from my Experian Credit report. 
I am officially requesting for these to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

M & T is giving me a hard time while I try to apply for a modification when it comes to proving my hardship. People suffer hardships at all points in time. I have XXXX XXXX XXXX, was denied for XXXX in 2016. I have done a lot to turn things around for myself since I suffered my hardship in 2016. I started my own business, opened a bank account, got a roommate, and I have been supporting my nephew to get through college. Further, I have been paying my overdue through bankruptcy court. I am more than eligible for a modification and I am fully prepared to start paying a mortgage payment. Lastly, I have provided all supporting documentation to M & T as proof of my hardship as they requested.
Product: Debt collection

This company can not come after me or collect on this debt since the Florida status of limitations is 5 years. 

This company has gone against Florida collection laws.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under its Fair Credit Reporting Act ( XXXX  ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The XXXX XXXX XXXX XXXX ( XXXX ) has recently filed a lawsuit against Experian, alleging systemic issues, such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

I attended a college in XXXX, XXXX in XXXX, Florida where I attempted a certificate in XXXX. The school was closed by either the Feds or Florida because of its unscrupulousness with students. As a result i am currently paying back my federal student loans, but i have been recently hounded by a private company requesting to pay XXXX dollar private loan that was taken out by XXXX enterprise in my name. I did not sign a promissory note about the private loan. and it was be foolish to take out a private loan when I am afforded opportunities to pay for my education with subsidize and unsubsidized student loans. I would like the harassment to stop. Additionally, the company can not provide me with any information regarding the loan and neither can they tell what my rights and responsibilities as laid by the law with loan collection. Please address immediately. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

These are unauthorized credit inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My rent check of {$4900.00} was stolen from a mailbox XX/XX/2023. I was not aware it was fraudulently cashed until my landlord gave me a notice my XXXX rent was missing in XXXX. When I logged into Chase, I saw it was cashed by a random fake name. I opened a claim with Chase in XX/XX/2023, and it has since been closed. 

Chase said it is XXXX XXXX 's responsibility to pay me, but it takes a while. Chase told me to wait for the other bank, XXXX XXXX, where it was cashed, to respond. It has been from XXXX-XXXX 2023 and XXXX never replied so Chase closed the claim and never paid me. I filed a complaint through CFPB to XXXX, who said they DID respond and are pending information from ME and CHASE. I followed up with Chase who said we did send everything over. Basically no one is taking responsibility. I have repeatedly followed up with Chase, who says we have to wait for XXXX. and XXXX said they can't do anything until Chase does stuff on their end. 

Basically, Chase says it is XXXX 's responsibliity. XXXX XXXX XXXX CFPB response said its chase 's responsibility, or when I reach out there is NO response. I have proof of the original check and proof of the fraudulent check.
Product: Credit card

Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : * BANK XXXX XXXX : XXXX PLEASE DELETE ALL XXXX REPORTED IN THE PROBLEM * XXXX BANK : XXXX PLEASE DELETE ALL XXXX REPORTED IN THE PROBLEM I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and XXXX. 

* Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and XXXX failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. 
* Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and XXXX have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 


Under the FCRA, I am requesting : * Immediate investigation into the disputed items listed above. 
* Removal or correction of the inaccurate information. 
* An updated copy of my credit report reflecting these corrections. 

I have attached copies of supporting documentation to aid in your investigation, including : * A copy of my credit report highlighting the disputed items. 
* Documentation supporting my claim of inaccuracy. 


Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 

Sincerely,