23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, 2015, I received an original notice from XXXX XXXX XXXX ( XXXX ) that it was seeking to collect a debt on behalf of XXXX ( XXXX ). XXXX alleges the original creditor was XXXX XXXX ( XXXX ). The amount sought by XXXX was {$13000.00}, and the XXXX account number was XXXX ( see attached ). 

In response I sent a certified letter to XXXX advising that I do not recall owing such a debt, there was no validation of debt received, furthermore, any statute of limitations, if owed, would have expired ( see attachment for further explanation ). 

XXXX did respond advising that it would not seek further recovery and returned the matter to XXXX. I thought that was the end of an alleged debt where no supporting information was received, or where it had been proven that the statute of limitations had not expired. 

Now, not even a month later, I received another demand for payment, of the same alleged debt, from DYNAMIC RECOVERY SOLUTIONS ( DYNAMIC ). DYNAMIC alleges its client is XXXX, and it is seeking {$13000.00} under account XXXX. It is also alleged that XXXX is the original creditor. I allege I do not owe a debt to XXXX, and that XXXX and DYNAMIC have no right to seek collection from me. If at any point I did have a XXXX credit card it would have been approximately 10 years ago, while living in California, which means any statute of limitations is long expired. I have not had a credit card, with any sort of large spending limit in years. Furthermore, DYNAMIC chose not to send any sort of information backing its position including when the alleged debt was incurred with XXXX or XXXX, there was no validation of debt. 

It appears XXXX, XXXX, and DYNAMIC are basically conspiring to collect an alleged old debt, that I believe is not owed. It appears XXXX and DYNAMIC are " Zombie Debt Collectors ''. As indicated above, this can be confirmed by the fact another company, XXXX, just tried to collect the same just months ago. Finally, I believe Dynamic is attempting to harass me as I had reported DYNAMIC to the CFPB previously.
Product: Debt collection

This company is attempting to collect a debt not owed to them. I have tried to contact the company multiple times with failed attempted.
Product: Credit reporting or other personal consumer reports

Thank you for your recent letter. Im very confused by the response. It seems to me that this is a stall tactic to not do what is required within FCRA laws. This is my 3rd attempt to get your company to do the right thing & comply with FCRA. Please review the documentation Im including as it is exactly what is required by law. If you continue to kick the can down the road I will have to move this matter into the courts. Lets not let that happen as Im sure the costs you would incur would be very expensive & this matter is very simple. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove.
Product: Checking or savings account

I received a loan for my business and tried to receive my funds and my account was frozen and locked..cant access my funds or anything at capital one bank
Product: Credit reporting or other personal consumer reports

Recently two collection companies, XXXX XXXX XXXX and XXXX XXXX XXXX appeared on my credit report with Trans Union, XXXX, and XXXX. I have never done any business or signed any contracts with these companies. Nor have I provided the companies with any written consent to use my name and other identifying information. I do not know how the companies obtained my identity information.

The companies actions have left me feeling vulnerable and violated. And my credit rating is also being damaged because to the actions. It is a Federal Crime to utilize a persons identifying information without any authority or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted 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 Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian, TransUnion and Equifax. I am writing to request the blocking of information on my credit report resulting from identity theft under Section 605B of the FCRA. I have been a victim of Identity theft and the following entries on my credit report are fraudulent. Account name and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received a call from someone claiming to be XXXX  XXXX XXXX and even called from a known XXXX XXXX XXXX number. The person claimed that fraudulent charges were taken out of my account and the way to reverse it was to send " fake amounts of money '' to the bank, who would then reverse the charges. They did this for accounts from XXXX  XXXX XXXX and XXXX through Zelle. Amounts of {$890.00} and {$330.00} were taken from Bank XXXX XXXX Account and {$890.00}, {$490.00}, and {$490.00} were taken from XXXX account. I called XXXX  XXXX XXXX who helped me file a claim but said that there were no guarantees that I would be refunded my money and I XXXX not hear from them until 45 days. I also called XXXX who transferred me to Zelle. Zelle said that they were unable to make a claim on behalf because Zelle 's terms and conditions state that since I authorized it, I can not get my money back. I have made complaints to the FBI internet crime complaint center. Have tried speaking with my financial institutions and contacted my local authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Accounts/Accounts # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX # XXXXXXXX OAG child support Enforcement  # XXXX / # XXXX / # XXXXXXXX Missouri Div Child XXXX XXXXXXXX / # XXXX XXXX # XXXXXXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Despite assurances from reputable banks and the validation of an identity theft report, these inaccurate entries remain unaddressed. Your failure to remove these accounts, despite clear evidence of their fraudulent nature, blatantly disregards the laws governing accurate reporting. It is evident that the bureau is not fulfilling its duty to properly investigate and rectify inaccuracies XXXX XXXX XXXX
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES CERTIFIED CREDIT REPOR XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXXXXXX {$670.00} XXXX XXXXXXXX {$2100.00} XXXX XXXX XXXXXXXX {$2300.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXXXXXX XXXX {$2800.00} XXXX XXXX XXXXXXXX {$3000.00} XXXX XXXX XXXXXXXX {$320.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account referenced XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? I have contacted the creditor myself and have been unable to get them to verify that this balance and payment history is accurate. You are also reporting the date last active was XX/XX/XXXX when this is incorrect. The XXXX is critical when dealing with the statute of limitations and I believe your company knows this and that is why you illegally updated the date last active. I dispute your claim and I am requesting that this is removed from my credit report. This account is also over XXXX XXXX XXXX and should have been removed on XX/XX/XXXX which is another violation. Stop reporting this information on my credit report for many FCRA violations. XXXX has since removed this account, XXXX and Transunion need to follow suit.
Product: Credit card

I direly demand the expulsion of this wrong late installment from my record. Given my set of experiences of convenient installments, its presence is causing me excessive pressure. If it's not too much trouble, address this mistake speedily by refreshing my record in like manner.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) 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. 


TRANSUNION 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
Product: Credit reporting or other personal consumer reports

LEXISNEXIS is falsely reporting an auto accident on my driving history. The information derives from a fraudulent claim made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my insurance company XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have been trying to clear this matter up through my insurance company XXXX XXXX for more than a year to no avail.
Product: Credit card

I made a complaint about dis company before late payments on my credit file XXXX XXXX XXXX self leader credit builder account they reply back by saying they will remove XXXX late payment and put close and pay as agree it's still showing a late payment history on my XXXX credit report and it's still hurting my score also I have there credit card and XXXX balance is wrong and the account is closed and it's reporting as open with a late payment history
Product: Credit card or prepaid card

I tried to make my payment on XX/XX/2023. 

There was a glitch in the system and the payment didnt seem to have gone through. So I made another payment. 

I noticed on that I have 3 pending payments. So I cancelled two of them. 

I contacted customer service through chat, who assured me that only one payment went through. ( see screenshots ) However, no payment went through and I was charged a late fee. 

I would like the late fee refunded because I tried to make my payment in good faith. 

I contacted AMEX through chat and phone and no one was able to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently disputed incorrect data reporting on credit file. Account has been deleted several times and then re-reported. Under the FCRA, all items reinserted must be provide by the furnisher of the information in writing of why the debt in being reinserted with XXXX days of re-reporting. I have never received any notice from the furnisher, which is violating my consumer rights.
Product: Money transfer, virtual currency, or money service

I was endeavoring to link my PNC bank account to a digital currency exchange service for investment purposes but was somehow thwarted by PNC. It is my money, and I have the right to channel it whithersoever I wish. PNC needs to authorize such linkage.
Product: Credit card or prepaid card

I have three 0 % promotional balance, with one that ends in a couple of weeks where interest will start accruing. I wanted to pay off the balance whose promotional period is about to end, however Wells Fargo said they would apply the payment evenly to all three balances. This would cause me to accrue interest.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my continued frustration and concern regarding the ongoing issue of late account openings, despite our repeated attempts to address this matter. 

The recurring delays in opening accounts not only disrupt our operational efficiency but also adversely affect the trust and satisfaction of our valued customers. Despite our best endeavors to streamline processes and implement corrective measures, it is disheartening to witness the persistence of this issue, which reflects negatively on our organization 's reputation for reliability and customer service excellence. 

I urge you to escalate our engagement and collaborate closely with regulatory authorities to identify the root causes of these delays comprehensively. It is imperative that we take a proactive approach in addressing any systemic deficiencies or bottlenecks that contribute to the recurrent late openings of accounts. 

In conclusion, I urge you to prioritize this matter with the utmost urgency and dedication, recognizing its significant implications for our organization 's reputation and regulatory compliance. I trust that through collaborative efforts and decisive actions, we can finally resolve the issue of late account openings and uphold the highest standards of service excellence and regulatory compliance. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} XXXX  XXXX Balance : {$35000.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX  XXXX Balance : {$430.00} XXXX XXXX  XXXX Balance : {$510.00}.
Product: Credit reporting

This dispute is regarding student loan accounts that have inaccurate information listed on my credit report. First I contacted these companies requesting them to validate this account and the account information that they have reported to the credit bureaus and never received a response. Being that I did not receive a response, I filed a complaint with the Consumer Financial Protection Bureau against them for failing to validate their claim. I disputed these accounts and the information they reported with Transunion ; Transunion responded by stating that they verified the information was correct. These accounts are currently listed as Chapter XXXX bankruptcy, when in fact they are not in Chapter XXXX bankruptcy being that the bankruptcy was dismissed which I know that to be fact. Being that the companies failed respond to my request by validating this information, I would like to know exactly how did Transunion verify this account as being accurate and what competent proof that they received to validate this claim ; especially since neither one of these companies responded to my request and the numbers listed are not valid numbers that would reach a customer service agent. I do n't believe that Transunion investigated my dispute fairly. It 's on record that my bankruptcy was dismissed so how can these companies validate information that is not true? It is a violation of law for them not to provide validation of their claim, the account they are reporting and the information regarding the accounts ; especially if it is detrimental to my credit. I filed a claim against these companies with the CFPB in which they have not responded to my complaint either.
Product: Checking or savings account

I opened a bank account with Truist in XXXX of XXXX, with a promotion to receive a {$400.00} credit upon completion of qualifying activities. I called Truist, twice, and spoke to two different customer service representatives that both confirmed that I had completed all the qualifying activities. I then received an email stating that I did not complete the activities and would not be getting the credit. I called again and had the issue escalated and also requested the call transcripts. I was told that the transcripts would take a week to receive and the escalation would take longer. I have yet to hear back from anyone at Truist. This is not the first issue Ive had with this bank. When I initially opened my account, I attempted to send a XXXX payment to my own account with another bank because I hadnt received the debit card and could not use my funds. This triggered a fraud alert and resulted in a block on my account. I was told I needed to go into a branch to have the block lifted. I explained to them that the closest branch was 2 hours away and there had to be something they could do to help me. I even emailed their CEO and was still refused assistance. I eventually had to drive to the branch because all of my money was in that account and I could not access it.
Product: Checking or savings account

Wednesday night at XXXX I looked into my account and I still haven't received my paycheck, I waited until Thursday morning I checked my account once again and still nothing I called Capital one they told me yes there is a delay on all direct deposits and should be resolved by the end of business day or Friday morning when pay day actually happens, I called this morning at XXXX and they have told me once again there is a delay and they working on the issue, I asked what is the XXXX they couldn't give me an answer. Here we are Friday afternoon XX/XX/year> at XXXX and still no deposit
Product: Debt collection

This company has attempted to collect a debt that I do not owe. I have sent information to XXXX 3 times proving that I do not owe them anything. For one the policy should have been canceled and next because I had coverage with XXXX during the period of time that they are saying I owe them. I also contacted the debt collector the debt was sent to and spoke with a woman who hung up on me then to a guy. I have been getting the run around from two companies who are trying to scam me out of money instead of verifying information and I have been threatened several times about them putting it on my credit file. I am tired of the fraud by XXXX and Credit Collection Services
Product: Vehicle loan or lease

This account has been closed for over three years. It has per my credit report been charged off 32 times. It now shows open as of XXXX. The representative stated that a manager stated XXXX  would take care of this balance but is still saying it is owed. I have never been contacted from any other representative or third party. I also did not give authorization to send my information to 32 organizations/third party. This account has been closed and shown closed for over three years and as of XX/XX/2020 this company reopened my account.
Product: Credit card or prepaid card

Over the weekend, I received an email from XXXX  that my credit limit on a credit card was decreased significantly. Upon my return from my trip, I signed on and noticed that Fifth Third Bank had reduced my credit limit from {$8000.00} to {$4500.00}.

I was given no notice as to why this happened nor do I understand why this happened. I reached out to customer service but they were unhelpful. They couldn't even tell me why this happened only that I should have received a letter, which I never did.

I pay my cards on time. I have no delinquency on my credit report. I have not lost my job. I have a six figure income. I've never used more than 50 % of my credit limit and now with this absurd change, my utilization has gone to 98 % thus affecting my credit report and single handily sabotaging my mortgage approval process, of which I was in the middle of. 

I have been a good customer and never had any issues so this is not only absurd but uncalled for. No other card issuer has done this.
Product: Credit card or prepaid card

I have submitted many goodwill letters to Capital One regarding my one late payment in XX/XX/2017. I have over 18 months of perfect payments. I explained to them I went through a financial hardship when my XXXX year old got sick and had to be taken to the hospital. I made the payment as quick as I could and have never been late since then or before then.
Product: Credit reporting

A few issues : # 1 I 've provided the proof to the bureaus that they are reporting this bankruptcy inaccurately by sending the credit report and nothing has been corrected. 
# 2 I also requested the physical docs that were used to verify these items that i am disputing and received nothing. These are made available to me under section 609 as well as that said section states that the bureaus must have the physical docs in their possession in the files prior to reporting them to make sure that they are accurate which they apparently do NOT have. 
# 3 items were reinserted onto my report after being removed and I was not notified of these reinsertions within the required 5 days time frame ( was not notified AT ALL ) which is a violation of section 611 and they must be removed immediately. 
# 4 I 've also received letters stating that no investigation will be done when I have clearly outlined what is inaccurate. This is a violation of section 1681, whereas Congress states that once I notify the credit bureaus that they are reporting something incorrectly they must investigate. They also state that they must reinvestigate and go beyond the original source of information ( creditor ) to ascertain that the accounts are reporting correctly. if they had the documentation, we would not be in this situation, would we? Congress also states that the burden is on the bureaus and creditors to prove they are reporting this correctly - it is NOT on me. 

I 'm including my letters in the attachments, as I stated. These clearly outline my disputes in regards to the inaccurate information on my credit report. 
I am including my dispute letters which clearly state my disputes.
Product: Credit card

Hello I am a victim of freud and I have made so many attempts to have this resolved my credit cards were used and I reported this each company without resolution. XXXX, XXXX Bank, XXXX XXXX XXXX.