23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Gaba Law Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, a debt collection lawyer, filed a law suit in XXXX Superior Court demanding payment of {$2600.00} for a debt that was not owed. 
Action was filed on XXXX XXXX, more than 4 years after I made the final payment to the creditor in XX/XX/XXXX. XXXX 's suit is barred by the CA stat. of limitations. I have a written receipt from the creditor for the entire final amount due. 
XXXX XXXX, the debt collector and his erstwhile creditor never made even a single demand for payment of this fake amount during the entire 4 years, because I didn't owe anything. The XXXX XXXX debt collection law firm specializes in this type of coercive, fraudulent use of lawsuits to collect court-imposed penalties against innocent consumers. 

For example, in series of car repossession deficiency cases, XXXX XXXX filed collection lawsuits, falsely claiming that the amounts were owed for '' credit card '' debts to avoid the deficiency notice required under the CA Auto Sales Finance Act. 

However, in a XXXX federal consumer class action in U.S Dist CT N.D. CA ( XXXX XXXX ) XXXX XXXX XXXX, Case No XXXX, Consumers were awarded {$380000.00}, costs and attorneys fees against him and his client, in addition to the amount awarded to compensate members of the class. 

His method of collection is to file lawsuits against consumers for relatively small amounts, wait for the consumer to default. Then, he moves in to collect attorneys fees based on predictable defaults from courts that are unaware of his method of collection. 

If you are sued by this debt collection law firm in California, Beware!
Product: Credit card

This company, XXXX XXXX XXXX XXXX, is charging me an exorbitant amount of interest on my latest bill. They claim I sent my payment of {$25.00} late in XXXX on the XXXX. However I have the bank statement that shows I sent it on the XXXX, which was before the due date. In XXXX, they did not send me a bill in the mail for some reason. So, I did n't send in a payment since I thought I was caught up. Now, in XXXX, they send me this bill that shows all these late fees and that I now owe {$120.00} by XXXX/XXXX/15. This company attempted something similar in the past against me, and I believe they purposely did not send me a bill in XXXX, then they blame me for not sending a payment, in order to extort more fees out of me. I have to assume I do n't owe anything at a given time if no bill comes in the mail. Had they sent me a bill in XXXX, then this situation could have easily been avoided.
Product: Credit reporting or other personal consumer reports

So I paid for a credit repair company and paid this guy money to improve my credit and as of now XXXX  I have a delinquent or missed payment for a card I never even received or signed up for. I understand it still represents me but I would like this off my report.I was able to remove it from XXXX and XXXX and I just dont understand the delay for XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt collector is unscrupulous and the law firm engages in trickery. I had an HOA judgment and they illegally and unlawfully issued a garnishment on a person that was not named formally on the judgment. After payment of what I thought was in full to settle the judgment the law firm later changed the number and came back saying I owed another {$1000.00}, the case was not settled, and they wont dismiss the judgment. The law firm now refuses to adjust their legal fees and/or ask the HOA to remove the late fees and interest ( which I thought was happening when we agreed on the settlement amount that was paid ). I also found out that they sent only a tiny fraction of my settlement total to the HOA so the HOA still thinks that I owe almost the full balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several things wrong with my Transunion Credit Report and I have tried on several occasions to correct them to no avail!! 

Incorrect addresses on my report : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX There are accounts on my report that are not mine ; fraudulent accounts and I have disputed these several times and asked for validation/verification, but nothing is done. 
XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX  Balance {$640.00} Opened XX/XX/XXXX *Collection Account* XXXX XXXX XXXX {$6000.00} Opened XX/XX/XXXX original account XXXX XXXX XXXX XXXX XXXX There are 2 public records being reported. I have asked to have these accounts verified and documentation sent to me. I contacted the courts and they do not verify this information. This needs to be removed immediately : Chapter XXXX Bankruptcy ( dismissed ) Date filed XX/XX/XXXX {$0.00} Chapter XXXX Bankruptcy ( discharged ) Date filed XX/XX/XXXX {$0.00}
Product: Checking or savings account

I am writing to formally lodge a complaint against HSBC USA for their unfair treatment and lack of communication regarding the closure of my credit card and account. 

In XXXX, I received a notification from HSBC USA informing me that they would soon close my credit card and account. To clarify, my financial activities have been above board, with transactions primarily involving small verification amounts for services such as XXXX and XXXX. I have had no other dealings with any additional XXXX institutions or individuals. 

I have used my American HSBC bank and credit card diligently to pay for bills from XXXX service providers without any violations of banking regulations. Despite this, and prior to any account closure, HSBC XXXX also attempted to close my account, which was promptly halted after the intervention of the XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received notice from HSBC XXXX stating : The bank is very concerned about the event you reported and has made an immediate follow-up and contacted the relevant department for a thorough investigation. After re-reviewing, the bank has decided to stop the account closure process. Your account will be unrestricted and can be used normally. 

Given that the misunderstanding with HSBC XXXX was resolved, and the information was communicated to HSBC USA, it is unjustifiable and could be construed as defamatory for HSBC USA to continue with the closure for security reasons. 

I have previously been advised to contact XXXX to appeal this decision. However, despite reaching out via email, I have not received any response from this HSBC representative. 

Furthermore, after repeated and futile attempts to communicate with HSBC USA, I filed an official complaint on XX/XX/XXXX, with the reference number XXXX. HSBC USA promised a response within XXXX business days. As of today, this period has lapsed without any notification, neither by email nor phone call, demonstrating what appears to be a blatant disregard and disrespect for their customers. 

Through this complaint to the CFPB, I wish to address the following issues : XXXX. The closure of my account and credit card due to security reasons, despite no misconduct on my part. 
XXXX. The refusal of HSBC USA to engage in meaningful communication regarding my complaint, and their persistent silence in response to multiple attempts to contact them. 
XXXX. The disdain shown by HSBC USA towards their customer in regard to account management, response to complaints, and the fundamental process of communication, all of which were handled with extreme arrogance. 

I kindly request the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure that HSBC USA is held accountable for its actions. 

Thank you for your attention to this matter. I am hoping for a timely and fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I had a report ran on me through XXXX and XXXX companies through asurint services, On the report it said that on XX/XX/XXXX it said I went in for assault in the 4th degree on a county criminal record. That already is 8 years past the date it should be on my consumer report. I also noticed right below that it said judgement was placed on XX/XX/XXXX when the judge had acquitted the charge in XXXX by judge XXXX XXXX of XXXX county. All of this judgement is very old and inaccurate. I tried to ask for an appeal due to this back jn XXXX as it prevented me from working during covid and living in a rural area, at any XXXX and XXXX companies when i had great job potential. The employer never got back to me about why i wasnt hired.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

XX/XX/2007, my name was listed second on a loan with XXXX to allow my former spouse to purchase her vehicle under the XXXX Employee Program. After numerous late payments by HER, it was sold and the proceeds above the loan balance were refunded to her. Despite the fact that I made NONE of the late payments, no " repossession '' was done from me, and I did not receive any of the sale profits, TRANSUNION refuses to delete this account from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was the victim of identity theft and i filed an identity theft report. this message is for transunion and equifax. i have already placed fraud alerts on my credit reports. i see a bunch of credit inquiries and some accounts that shouldnt be on my report due to someone trying to open accounts in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2022 To Whom It May Concern, this letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. LVNV FUNDING LLC : COLLECTION ACCOUNT, XXXX Balance XXXX : Remove from Credit Report Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Within the last 90 days I've begin to monitor my credit report and noticed that Equifax has been inaccurately reporting my XXXX account on my credit profile. I contacted Equifax regarding inaccurate information. Equifax is in violation of 15 U.S.C. 1681 by continuing to report inaccurate information to my credit report affecting my credit worthiness. 

Equifax is reporting inaccurate Balances, High Credit Limits, Reporting Dates, Active Dates, and Payment Information. That's totaling XXXX errors. The inaccurate reporting is a clear violation of the FCRA, as it compromises the integrity and fairness of the credit reporting system.
Product: Debt collection

I am being called by Portfolio Recovery Associates XXXX  about a credit card debt on a credit card I never opened. The amount owed is XXXX. The card was opened XX/XX/2013. The card is owned by XXXX XXXX XXXX  ( XXXX ), XXXX. I previously told a representative that I never opened this card and she said she would note this. I am know being harassed about these charges again. I currently have 2 XXXX XXXX credit cards that I have never had any issues with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to freeze my ARS account with no success. I have followed all of their online guidelines and sent a letter certified mail requesting a security freeze but have not gotten a response back. It has been 2 months
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 an account without my written instructions. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XXXX XXXX Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XXXX XXXX 90 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Debt collection

On XX/XX/2023 XXXX and XXXX XXXX on behalf of Wells Fargo filed a lawsuit to attempt to collect a debt not owed as a result of identity theft. On XX/XX/2023 Wells Fargo attempted to validate the debt through case number XXXX regarding the account ending in XXXX. Through the debt validation process, Wells Fargo confirmed the debt was a result of fraud and I was not responsible for the amount in question. The creditor, Wells Fargo has removed this item from my credit report, but XXXX and XXXX still have a lawsuit and are continuing to collect on a debt that is not owed.
Product: Checking or savings account

After having my debit card and {$5000.00} stolen, I have appealed over 7 times to Citibank to refund the money to my account as they promised on XX/XX/2020. Since then I filed a complaint on the Consumer Financial Protection Bureau website which prompted Citi to immediately respond with the attached letter and promised to refund the money within 3-5 business days. It has now been 10 business days and upon speaking with the manager in charge of my case, she informed me that there is in fact no timeline in which I will receive the money and she was not even sure the money would be refunded to me at all. It seems as though Citi sent the attached letter only as a means to appear as though they are resolving the matter when in fact they are not. 

This has been the most unprofessional, unethical, and dishonest experience I have ever had with a business much less a global financial conglomerate.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward comsumer-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 not 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 Experians inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the credit reporting agencies ( XXXX, XXXX, and Equifax ) and the creditors ( XXXX, XXXX XXXX, and XXXX ) for multiple violations of federal law regarding fraudulent accounts on my credit report. Despite disputing these accounts and requesting validation, they have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Below are the fraudulent accounts in question : XXXX : Account ending in XXXXXXXX XXXX XXXX : Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Failure to Validate Debts : The creditors failed to provide written notification of the alleged debts within five days of initial contact, as required by FDCPA 809 ( a ). Furthermore, they did not validate the debts within 30 days of my dispute, violating FCRA 611 ( a ) ( 1 ) ( A ) and FDCPA 809 ( b ).

Reporting Inaccurate Information : These accounts contain inconsistent and inaccurate information, such as differing open dates and data reported across the credit bureaus. This is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires creditors to report only accurate information.

Failure to Respond to Disputes : Despite my disputes, the credit bureaus failed to conduct a reasonable investigation or provide documentation proving the legitimacy of these accounts within the required timeframe, violating FCRA 611 ( a ) ( 1 ) ( A ). This neglect of duty also breaches FCRA 611 ( a ) ( 5 ) ( A ), which mandates the correction or removal of disputed inaccuracies.

Continued Reporting of Fraudulent Accounts : The continued reporting of these accounts as " Charge off '' or " Derogatory '' despite disputes and lack of validation is willful noncompliance. This ongoing harm to my credit profile violates FCRA 604 ( a ) ( 1 ).

Relief Requested : I demand the following immediate actions : The permanent removal of these fraudulent accounts ( account numbers listed above ) from my credit report.

Blocking these accounts to prevent future reporting under FCRA 605B ( c ) ( 1 ).

Compensation for damages caused by derogatory and inaccurate reporting, including harm to my creditworthiness and financial reputation.

A formal investigation into the negligent and unlawful practices of the reporting agencies and creditors.

Enforcement of penalties against the creditors and credit bureaus for willful violations of FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 instruction
Product: Credit card

I received an email from both XXXX XXXX and XXXX XXXX XXXX, alerting me to a new hard inquiry from Capital One. I called Capital One and was told no applications were approved and to call back tomorrow to XXXX, to see if an application was not approved. I advised the agent that I did not make this request and this was a fraudulent application. He told me he was unable to assist me and I would have to wait. I froze My 3 credit reports, made a report to the FTC, did an online dispute with XXXX. I will Have to call the other XXXX companies once they are open and I intend to do so, to inform them of the fraudulent application.