23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received multiple phone calls from P & B Capitol Group through out the past year attempting to collect an alleged debt associated with my name. I explained to the reps that I had no knowledge of said debt, I also asked for any documentation associated with my name in the event I have to file a police report with my local police department. I never received any documentation nor anything in writing notifying me of said debt. According to the FDCPA, consumers have 30 days from the date of being notified in writing, to dispute the validity of any alleged debt associated with them. In addition, as of XX/XX/XXXX, this debt have been reported to consumer reporting agencies without me be properly notified and giving the opportunity to respond to said debt. This has since damaged my reputation and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist.

It has been well over 30 days and i have not received a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accounts be removed immediately
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we're required to expunge any erroneous accounts from my credit report. Could you double-check the documents? Several listed accounts are inaccurately reported, with discrepancies in amounts and dates.
Product: Bank account or service

On XXXX XXXX, 2015 I closed my account out with Wells Fargo Bank. I was upset because of a previous charge that was deducted out of my account. 

I advised the lady who closed my account that I had XXXX outstanding checks and that I was going to contact them and make payment arrangements. She then gave me the money in my account and when I walked out the door I assumed my account was closed. 

I opened up an account with XXXX XXXX XXXX XXXX. 

On XXXX XXXX, 2015 Wells Fargo Bank took a direct deposit into my closed account and deducted {$35.00} check fee and paid XXXX XXXX {$200.00}. This account was closed on XX/XX/XXXX. How come they took this money out? 

I went directly to the bank and talked with the manager. She advised me that my account was not closed and they had tried to contact me earlier. I never received any phone call and I have my phone on all the time because of the work I do. She was very rued and told me that my account is opened and to check back the next day to see if it was closed. 

Wells Fargo Bank took money that did not belong to them if they paid this check then they should of contacted me for the money not take it out of a direct deposit made by mistake to a closed account ... 

I feel Wells Fargo stole my money. I was late on rent and I could not cook xmas dinner for my family this left me in so much distress. It was horrible.
Product: Debt collection

Century Debt Solutions , Inc. called me about XXXX XXXX XXXX XXXX where they never installed a garage door and took my {$2400.00} deposit and never paid it back. Now the owner of XXXX XXXX contacted this corrupt collections company to go after the deposit they owe me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A ACCOUNT THAT IS NOT MY ACCOUNT HAS YET TO BE REMOVE FROM MY REPORT
Product: Credit reporting or other personal consumer reports

To whom it may concern, my name is XXXX XXXX and my address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX. My phone number is XXXX XXXX XXXX. I contacted Trans Union XXXX and experience Credit reporting agency Concerning These accounts XXXX XXXX  XXXX  And XXXX XXXX  And XXXX XXXX XXXX XXXX And XXXX XXXX  And XXXX XXXX XXXX. These accounts were open fraudulently And I asked them kindly to remove these accounts from my credit report because they are not mine and I want them off immediately. the credit reporting agency plays a lot of games In regards to my request When these accounts were open Fraudulently without my authorization. these accounts Never had the right address neither the right phone number and the correct spelling of my name. the credit bureau has since then updated the correct address to my credit report Along with my name And the correct phone number. These accounts are still sitting on my credit report even though they have no address attached to them And the credit bureau has since then refused to remove them From my credit report
Product: Money transfer, virtual currency, or money service

IRS has sent my tax deposit to Cash app it never came to Cash app I called to verify with IRS they verify with me my account and my routing number with Cash app and they said they sent it. I called Cash App to ask them concerning about the deposit, they said that they dont have it dont see it.amount of XXXX $ Also money was sent from account to another without my authorization amount of XXXX $
Product: Credit reporting or other personal consumer reports

I recently visited my doctor for a surgical procedure that I need to live. I was directed to the finance department to weigh my payment options. I was refused the funding I need because of an error on my TransUnion credit report. I was advised to resolve all errors before I could have my XXXX. I am under extreme stress as I can't eat without this XXXX. The errors are as follows ; US DEPT OF EDU account # XXXX Payment status 120 DAYS PAST DUE for XX/XX/year>. The payment status is incorrect. This account was under the CARES ACT Pandemic Payment Forbearance during these dates and payment was refused.
Product: Credit card or prepaid card

I HAVE A JET BLUE CREDIT CARD ISSUED BY BARCLAYS BANK. AROUND XXXX OF XXXX, MY CARD WAS USED FRAUDULENTLY FOR NEARLY XXXX XXXX DOLLARS. I CONTACTED THE BANK/CARD ISSUER, FILED A CLAIM FOR FRAUDULENT TRANSACTION. I WAS TOLD THAT THEY WILL CONTACT ME BY MAIL OR PHONE CALL IF FURTHER INFORMATION IS NEEDED. ABOUT A MONTH PASSED, AND WHEN I CONTACTED THE BANK, THEY TOLD ME THAT THEY HAD SENT ME PAPERS TO SIGN AND SEND BACK, AND I HAVE NOT, SO THE CLAIM IS CANCELLED AND I AM RESPONSIBLE FOR THE PURCHASE AMOUNT. I HAVE BEEN PAYING THE BANK FOR THE PURCHASES I HAVE NOT MADE, AND I KEEP ON ASKING FOR A PROOF THAT THEY HAVE SENT ME THE LETTER THAT I NEEDED TO RESPOND, HOWEVER, THEY ARE NOT PROVIDING THE PROOF THAT THEY SENT, AND THEY ARE NOT PROCEEDING WITH THE CLAIM, AS THEY HAVE CANCELLED THE CLAIM ALREADY. FIRST, CLAIMING THEY HAVE SENT THE LETTER THAT NEEDED TO BE SIGNED BY ME, THEN SAYING THE CLAIM IS CANCELLED AND I AM FULLY RESPONSIBLE FOR THE PURCHASES WHICH I DID NOT MADE, IS ABSURD. INSTEAD OF INVESTIGATING WHERE THE PURCHASES WERE MADE, REQUESTING SIGNATURES OR VIDEO RECORDINGS FROM THE MERCHANTS THAT THE CARD WAS USED, I AM TOLD THAT SIMPLY BECAUSE THEY SENT ME A LETTER ( WHICH THEY DID NOT ) AND I DID NOT RESPOND TO THAT LETTER. I ASKED THEM TO RESEND THE DOCUMENT OR EMAIL IT SO I CAN SIGN AND SEND BACK, THEY REFUSE TO COOPERATE. 

BARCLAYS BANK IS THE BANK JET BLUE IS THE CREDIT CARD. 

STAY AWAY FROM THEM. I AM ALSO SEEKING GOVERNMENT 'S ASSISTANCE FOR HELPING ME RESOLVE THIS ISSUE AS IT IS NOT ACCEPTABLE IN ANY WAY TO BE HELD RESPONSIBLE FOR NEARLY {$23000.00} FRAUDULENT PURCHASE WITH MY CARD. I WOULD NOT BE PAYING THEM ANY XXXX HAD IT NOT EFFECTED MY CREDIT HISTORY. THAT IS THE LEVERAGE THEY HAVE THAT THEY KNOW I WOULD HAVE TO PAY BECAUSE IT WOULD MESS UP MY CREDIT HISTORY.
Product: Credit reporting or other personal consumer reports

List below are violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I urge you to remove all unauthorized and potentially fraudulent accounts and inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Upon reviewing my Experian credit report dated XX/XX/year>, XXXX discovered several inaccuracies and incomplete entries. According to the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information.

Furthermore, 15 USC 1681i ( 5 ) mandates that when a disputed item in a consumer report is found to be inaccurate, incomplete, or unverifiable, the agency must promptly delete or modify the item accordingly. They must also notify the information furnisher of these changes. Additionally, per 15 USC 1681s-2, information should not be furnished to any consumer reporting agency if it is known to be inaccurate.
Product: Mortgage

Dear CFPB, I am having on going issues with my mortgage company NewRez. The issue is them not paying my Wisconsin Property Taxes on time or dispersing funds to me when requested to pay my property taxes. This happened last year as well, when the Mortgage exchanged hands from XXXX  to NewRez. Please help, I am a XXXX XXXX XXXX Veteran XXXX. 

Thank you and have a safe day. 

Mr. XXXX.
Product: Credit reporting or other personal consumer reports

I recently filed complaint against Equifax for their failure, after 4-months, to correct their own internal computer glitch causing an an " error code XXXX '' which prevents me from being able to utilize my XXXX XXXX XXXXt account in order to be open to keep my Equifax credit report locked and unlock only when I am applying for any type of credit. 

Equifax provided false response to my CFPB complaint and their response calls into question whether Equifax has a breach I am/consumers are unaware exists. Specifically, Equifax stated in its response, " We have received your complaint and apologize for any inconvenience you may have experienced when attempting to access your XXXX XXXX XXXXXXXX account. Our investigation revealed that you successfully logged in via your XXXXXXXX XXXX XXXXXXXX app on XX/XX/2024 and XX/XX/2024. You successfully unlocked and locked your credit file via the app on XX/XX/2024. Should you need additional assistance, please contact the customer care team at XXXX between XXXX XXXX XXXX, Monday - Friday. We sincerely apologize for any inconvenience this issue may have caused. Thank you for contacting Equifax, Equifax Consumer Care Team ''. First, at no time have I ever utilized an App to access my XXXXXXXX XXXX XXXXXXXX Account. Thus, Equifax 's assertion that I used an app to access my XXXXXXXX XXXX XXXXXXXX account on XX/XX/2024 and XX/XX/2024 calls into question who exactly has access to my XXXX XXXX XXXX Account. Second, in its response, Equifax asserts that " [ I ] successfully unlocked and locked [ my ] credit file via the app on XX/XX/2024 and XX/XX/2024 ''. I did not successfully open my XXXXXXXX XXXX XXXXXXXX account via any app on XX/XX/2024 and it was a direct result of receiving 'error code XXXX ' that on XX/XX/2024 that I filed initial complaint with the CFPB against Equifax that they hadn't resolved their own internal 'error code XXXX ' computer glitch after 4-months. And I did not successfully unlock and lock my credit via via any app on XX/XX/2024. In fact, I spent XXXX on the PHONE WITH EQUIFAX 'S INFURIATING CS RESULTING IN MY REQUESTING TO SPEAK TO A MANAGER, XXXX, AND as a result of my conversation with XXXX, I filed a separate complaint against Equifax with the CFPB based on assertions XXXX made ( on a recorded call ) with me. Equifax 's response to my complaint with the CFPB is nothing more than a punt to avoid their acknowledging that they have existing internal computer glitches in their own operating system which is preventing consumers from utilizing their XXXX XXXX XXXX accounts WHICH EXISTS BECAUSE OF EQUIFAX 'S OWN BREACH. Equifax 's response does not address or resolve the issue and the CFPB should make note of the fact that Equifax made false statements in its response. Furthermore, Equifax 's response, calls into question as to whether Equifax has another current unknown breach to assert that I successfully accessed my XXXXXXXX XXXX XXXXXXXX account from an App! when I have never utilized any app to access any of my credit reports at any time, ever.
Product: Credit reporting or other personal consumer reports

A fraudulent application for credit was submitted in my name without my knowledge or approval to a lender on XX/XX/2023. I received a letter in the mail from the lender informing me of the fraudulent application on XX/XX/2023. I immediately called the lender to report the application as fraud and placed a security freeze on my credit file with all three major CRAs. I also submitted an identity theft report with the FTC on XX/XX/2023. 

A month after calling the lender, the hard inquiry had still not been removed from my Equifax credit report, so I filed a dispute with Equifax on XX/XX/2023 ( Confirmation # : XXXX ) to have the hard inquiry removed from my credit file. Less than 26 hours later, I received a notice from Equifax informing me that INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. On XX/XX/2023 I submitted a new dispute ( Confirmation # : XXXX ) and received the same response. 

Equifaxs own website states : When a lender requests to review your credit reports after you've applied for credit, it results in a hard inquiry. Im not disputing the fact that my credit file was accessed on XXXX by the lender. However, as stated above, the inquiry occurred without my knowledge or approval. I did not submit an application for credit with this lender, a thief who committed fraud submitted the application. 

Based on Equifaxs own language about hard inquiries, this information reported in my credit file is inaccurate. I did not submit the application for credit, and therefore a hard inquiry should not be reflected in my credit file.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 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 numerous occasions XXXX XXXX emailed me regarding medical debt that they claim that I owe.
Product: Mortgage

Let me be clear. I have paid all my mortgage payments in full, to date. I bought my home in XXXX and immediately set up automatic direct debit every XXXX of the month to the mortgage company, XXXX XXXX. Sometime in XXXX, my loan was sold to Citibank, who expected a XXXX payment. I immediately contacted Citi, who assured me they would recover the funds from the previous lender. When this did not occur, I contacted XXXX XXXX, and was told the date, amount and tracking number of the wire transfer. I called Citibank, but still nothing. I made a very long conference call with the two, ( XXXX from Citi and XXXX XXXX from XXXX XXXX ). The Citi rep recorded the info of the transaction. XXXX also sent the info. Still nothing. Citi told me to fax my bank statement. They must have given me the wrong number as I spent about an hour faxing to a bad number. I repeatedly called Citi, which is always very time consuming and sometimes even impossible to connect. On one occasion, they informed me they had found some of my mortgage payment, but not all, and therefore would apply none. ( They would have never revealed this info, if I had n't asked ). Becoming increasingly aggravated, I told them, recovering the rest of this payment and the associated discrepancies is beyond my ability. I merely pay my bills and as I had no control over this transaction, Citi will have to find my money. I have helped as much as I can. Rather than directing their energies to finding the mortgage payment I made on XXXX XXXX, they have instead chosen to harass and threaten me. They call me at work, on vacation, ( verbally abusive ) send me threatening letters, to foreclose on my home, damage my credit rating, which would seriously jeopardize my job. I have spent so much time trying to solve what I consider their problem, and now they expect me to take time from work to meet them. I called a local branch to try to set up a meeting but was unable to get through. If there is a problem with XXXX XXXX, why am I in the middle? It 's not my field, I 've told them, repeatedly. They bought the loan and the associated payments. My job is very important to me, and right now I am way too bogged down, to get further involved in and stressed out correcting Citi 's incompetency and misconduct. In fact, when I do have time, I will look into getting this note into the hands of a more professional and respectful lender. ( By the way, the missing money amounts to about {$250.00}, which really does not justify Citi 's hostile behavior. )
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX I have disputed directly with Transunion and XXXX about this account. Again, they continue to report whatever they want to report. Transunion comments show the account as payment after charge off but XXXX comments show and unpaid loss by the credit grantor. How can that be when XXXX is the only furnisher of information. XXXX does not show date for last payment while Transunion does. XXXX continues to report charge offs back to back in the payment history when the account was already charged off. I have disputed inaccuracy also with nothing being done. Transunion shows the account type as utility company but XXXX shows the account as unknown? All these inaccuracies yet they continue to report the account and ignore my dispute! What was the open date and why does it have 2 open dates. When I have disputed especially with XXXX and Transunion my disputes are ignored. I believe they stall with everything in their power to deter consumers like myself from disputing, This account continues to damage my credit. I can not obtain electricity for my future residence with the inaccuracies reporting.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports