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

In my state, All 3 credit reporting agencies are trying to charge consumers for a credit freeze. That 's insane. Especially for Equifax to be profiting off their own failure to protect data we never had the option to hide from them. You need to provide a method for all consumers to go to a centralized website where they can freeze their report at all 3 companies, for free. 

Until that system is in place these agencies should be barred from charging these fees, and they should be forced to make the freezing process accessible and not hidden behind a series of attempts to sell credit monitoring. 

Additionally, I have tried to freeze my report with Equifax and the site was down. This is completely unacceptable when half of the population just had their financial information compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been informed that the following inquiries were listed on my personal credit report in which I did not personally request myself. Please Delete or Remove the following Inquiries listed below as they are Unauthorized by myself XXXX XXXX. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Consumer Loan

A year ago XXXX XXXX to be exact I did a loan with titlemax, I borrowed {$5000.00}. I have been paying like clockwork the minimum of XXXX a month and some months a little more. My principal has not moved. I currently owe XXXX a year later, I found out when I went in to make my payment because I had been doing them over the phone that the XXXX had only been interest. I truly could n't believe this because this was not explained to me at the time of the loan. I 'm on a set income XXXX to be exact I have XXXX kids and medical expenses. This really broke me down to know that I 've XXXX near payed almost XXXX dollars and still owe XXXX. I feel I was tricked, I was told all I needed was title and spent a good portion of the day getting the title changed in order to do the loan,
Product: Credit reporting or other personal consumer reports

In accordance with 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. Here are the accounts, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX late payment on XX/XX/year>. 
I looked at my Experian credit report on XX/XX/year> and notice some things are incomplete and also not accurate and according to the Fair Credit Reporting Act. Whenever consumer report agency prepares a consumer report shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 1681 ( E ) ( b ) and according to 15 USC 1681S they are supposed to do this, treatment of an accurate or unverifiable information. Also, Experian credit reported agency violated rights from the Fair Credit Reporting Act U.S.C. 1681i ( 1 ) ( A ), ( 5 ) ( A ), U.S.C. 1681S ( a ) ( 1 ) ( a ) and ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan with XXXX was paid on XXXX, however it continued to be reported that I had 2 auto loans out at that time. My FICO score was well over XXXX prior to getting the new loan. My score is in the mid XXXX now! Apparently the other two credit bureaus have NO SCORE for me according to your site that I was just on? 
What in the world is going on?? I can not even attempt to purchase anything with this XXXX  score!! 
Do the 3 bureaus share information?

Please help!! Thank You
Product: Credit reporting or other personal consumer reports

I am filling complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report despite my submission, Equifax continues to report that my information is accurate without providing any evidence of a thorough investigation. This practice violates. The fair credit reporting act XXXX XXXX XXXX which mandates a reasonable investigation of dispute furthermore, Equifax actions may also contravene the consumer financial protection act XXXX XXXX XXXX  as highlighted in the CFPB recent administrative proceeding ( file No. XXXX ) against them for similar violations I request at the CFPP takes action to ensure Equifax complies with the XXXX law provide consumers with the necessary proof of investigation
Product: Debt collection

If youre dealing with a debt collection agency that has not validated the debt, you can send them a Debt Validation Request Letter. Under the Fair Debt Collection Practices Act ( FDCPA ), you have the right to request verification of the debt within 30 days of receiving their first communication. If they fail to validate the debt, they can not continue to pursue collection efforts or report the debt to credit bureaus. 

Heres a sample letter you can send to the collection agency : [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] Request for Debt I am writing in response to your communication dated [ insert the date of the first communication you received from the collection agency ]. I am requesting that you provide validation of the debt you claim I owe, as outlined under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. A copy of the original signed contract or agreement, or other documentation verifying the debt and that I am responsible for it.

4. A detailed history of the debt, including the date the debt was incurred, any payments made, and any interest or fees that have been added.

5. Proof that you have the legal right to collect on this debt.

Under the FDCPA, you are required to provide this validation within 30 days of receiving this request. Until such validation is provided, please cease all collection efforts and refrain from reporting this debt to any credit reporting agency. 

If you fail to provide the requested validation, I expect that this matter will be closed and the debt will be removed from any reporting agencies, as well as cease any further collection attempts. 

Thank you for your cooperation. I look forward to your prompt response. 



Key Points : Request for Validation : You are requesting proof of the debt, including details of the original creditor, the amount, and the contract. 
30-Day Window : The debt collector must respond within 30 days of receiving this letter with proper documentation.

Cease Collection : If they do not validate the debt, they are required to stop collection activities.

Credit Reporting : They can not report the debt to credit bureaus without proper validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I notified and send out certified mail to TRANS UNION, XXXX and Also XXXX notifying them that I have information on my credit report thats does not match across all 3 credit bureaus I have not been answered back about any information regarding that information. I stressed in my letter that I demand to see proof of all verifiable documents and the original contract for the consumers on my credit repost with my signature on it I have yet to hear anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the balance to XXXX  to Jefferson capital systems in XX/XX/2019. They told me that they sent a message to the credit bureaus that my account was paid in full on XX/XX/2019. However it is still showing on my credit report that I have not paid it off. When I disputed it on XX/XX/2019they said that they did an investigation and it shows that the information is correct. When it is not
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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

Credit Bureau of the South called me very rude she didn't explain anything but gave me amount of two bills a water bill of a resident that I never lived I tried to explain that to her and she continued to say how do you want to pay. I told her I would not pay over the phone and she stated that okay I will tell them what you stated. She was very unprofessional to the point that I would never want to pay anything to their Bureau especially over the phone I wouldn't trust them. I never heard of them so I did a XXXX search they also had very bad reviews by other customers as well. If I owe any money that's perfectly fine but the way that you treat your customers is Despicableif I owe any money that's perfectly fine but the way that you treat your customers is despicable.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern, XXXX My name is XXXX XXXX the above is my account number for XXXX furniture through Td Bank I have paid this account every month since Ive had it my about 5 months. My original credit limit was {$8000.00}, I used XXXX. The month of XXXX I made a payment in the beginning of the month I usually make XXXX payments a month. I had a problem with my bank when the extra second payment was taken out, It did not go through, however I had already made a payment at the beginning of the month. Your company took away my {$8000.00} credit limit, changed it to {$600.00} total limit and my balance is {$720.00}. Im extremely upset about this because it dropped my credit by XXXX points in less than 10 days hurting my credit reporting. I am now over my limit and my ratio is 100 % plus. I did not miss a payment the second payment didnt go through. I was told by XXXX XXXX XXXX that I would have to have my credit XXXX again. I am in the middle of refining my house and I do not want my credit pulled nor do I want this to affect my credit and it will, simply because you now lowered my credit utilization ratio. All of this happened within a nine days. I am requesting that you change my credit limit back to the {$8000.00}. I have paid every single month even this month it was the second payment. Please respond to me either via email or XXXX. 
This matter is extremely urgent because I am in the middle of a refi please call me as soon as possible. 

Sincerely, XXXX XXXX Sent from my XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( last 4 ) : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Formal Dispute and Request for Immediate Deletion and Validation of Account : XXXX Credit Bureau Dear CFPB, I am writing to formally dispute the following account listed on my credit report from both XXXX and XXXX. I have no knowledge of or association with this account, and I am demanding its immediate removal from my credit report. I have disputed this account on multiple occasions and have not received any proper validation or communication from the credit bureaus or the creditor. 

Disputed Account Information : Account Name : XXXX Credit Bureau ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Credit Bureaus Involved : XXXX XXXX XXXX Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Current Status : Collection/Chargeoff Balance : {$660.00} Comments : Account information disputed by consumer, meets FCRA requirements. 
This account does not belong to me, and I am requesting immediate validation of the account or its deletion from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the legal right to request the following : FCRA Section 611 ( 15 U.S.C. 1681i ) : The right to dispute inaccurate information and have it corrected or removed if it can not be verified.

FCRA Section 609 ( 15 U.S.C. 1681g ) : The right to request original signed documentation or proof of the debt 's validity.

FDCPA Section 809 ( 15 U.S.C. 1692g ) : The requirement that the debt collector provide validation of the debt upon request, or cease collection activity if they are unable to validate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Creditors must accurately report information, and if they are unable to verify the information, it must be deleted. 
I am formally requesting proof of validation from the original creditor or any legally binding documentation that proves this debt is mine. If this documentation can not be provided within the legal timeframe, I demand the immediate deletion of this account from my credit reports. 

As of today, XX/XX/XXXX, I have received no communication regarding previous disputes, which violates my rights under the FCRA and FDCPA. I request that the CFPB intervene to ensure compliance and resolve this matter swiftly. 

Thank you for your attention to this issue. I trust that your office will take appropriate action to enforce these regulations and remove this erroneous account from my credit file. 

Sincerely, XXXX XXXX
Product: Checking or savings account

So in 2020 inreceived a check in the mail with my name & everything I thought it was real so I deposited in my account but I wasnt aware that it was a fake check cause looked so real, so capital one, closed my bank account but I wan na open up a new but they want allow me too, I guess they feel like knew the check was but I didnt because I never seen a check that looked that real I couldnt even tell the check was fake until I doleposited in my account thats when I find out & it came from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent Equifax a certified letter requesting validation of my credit inquiries on my credit report since they are allowing companies to add this information. I then received a letter XX/XX/year> requesting that I send a copy of my ID, SSN card and proof of address. I sent that information on XX/XX/year> certified letter with signature required. Last week I called Equifax to check the status of requesting this information and they told me that I needed to submit a police report since I am disputing my inquires. In the letter I sent to them originally is asking Equifax to provide me the information from the companies that reported an inquiry to my credit. I didnt tell Equifax i was a victim of identity theft. They said thats the only way to get this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do believe that I have previously filed a complaint, about an issue with two hard inquires that I feel should be removed. Executive Employee XXXX supposedly did this investigation and called me telling me that my investigation had been denied. 

I was also told that I was denied credit due to the fact there was an initial fraud alert on my credit report. And that because my contact number was not listed on my credit report that I was denied. This information is totally untrue cause when I call XXXX, XXXX, and XXXX they all tell me that since XX/XX/2016 my contact number is listed on my credit report and that they actually require a phone number to be placed on your credit file while an initial fraud alert is in place, that was their policies. 

I dont know where Capital One came across that I wanted a credit card because these inquires are indeed frauduant inquires, as a result XXXX   has came back and even found a void within Capital Ones so called approved inquiry they came back saying while the address was confirmed my residence they researched further and found on the dark web part of it that the actual inquiry IP Address came out of State of Pennsylvania they would not disclose location due to security reasons. As a result Capital One no longer exists on my XXXX Credit Report. If Capital One was true and correct to their statement and initial investigation then why did XXXX   delete their inquires off my credit report for fraudulant inquires. 

However the fight continues because XXXX  and XXXX have not removed this and has required that i reach out and resolve this issue with Capital One. 

I ask the Capital One reopen this Investigation because the 2 Inquires on my credit report are fraudlaunt inquiries and if Capital One wont investigate then I will have no further choice but to file a complaint with the FTC stating the Capital One has broken the Fair Credit Report Laws because in general that is the truth. 

I feel the investigation was not conducted fairly, and I feel justified for my actions and I ask for a reinestigation and response to this situation.
Product: Debt collection

I received a call from Midland Credit Management about a debt that he says is over XXXX XXXX XXXX. I don't remember the debt and I explained that to the collector. He threatened me with either wage garnishment or a bank levy on a debt that is well past the statute of limitations. I can not dispute this completely because I don't remember. I do remember that I was never served by the court.
Product: Checking or savings account

I, file this Complaint against CitiBanks ( Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX ) to recoup from them my funds totalling XXXX XXXX XXXX ( {$31000.00} ) US Dollars. On XX/XX/2022, I deposited to XXXX XXXX Account ending in # XXXX my funds totalling {$31000.00} US Dollars via two separate ACH transfers that have not been returned yet, despite my repeated demands to do so. CitiBank subsequently froze, held, and closed my XXXX XXXX Account ending on XXXX, without explanation, notice, or consent. As of todays date, CitiBank has not refunded my funds, and has not notified me verbally or with a writing detailing : ( A ) the whereabouts of my {$31000.00} US Dollars held in CitiBank Account ending XXXX on XXXX & XXXX, ( XXXX. XXXX - XXXX XXXX & XXXX, Acct # ending XXXX. ), ( B ) the reasons for closing, freezing, or holding my account ending in XXXX without my notice or consent, and/or ( C ) when the funds will be returned to me or what transgressed with my monies. Over two dozen occasions, I have directly spoken with multiple CitiBank representatives over the phone and even visited their XXXX Connecticut XXXX in person to no avail. I have also tried to file a dispute on their Dispute Center, but I am not allowed Log In access to do so. For these reasons, I submit this complaint to aid me demanding on my behalf the immediate refund of my {$31000.00} with all interest accrued to date. 

As follows are the ACH Transfers for the unreturned funds : XXXX - XXXX XXXX XXXX XXXX for unreturned funds : File ID XXXX Individual ID XXXX XXXX # XXXX Ex. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX for unreturned funds : Company ID : XXXX XXXX XXXX XXXX Web Individual ID XXXX Control # XXXX Ex. XXXX, XXXX, XXXX I kindly ask that Consumer Financial Protection Bureau intervene on my behalf to help me obtain a full refund of my deposits plus accrued interest earned to date. 
Thank you in advance for your help. Please contact me with questions related to this complaint.
Product: Debt collection

After a recent review of my credit report, I discovered an entry indicating a bankruptcy claim associated with my name. Upon further investigation, I have determined that this claim is inaccurate and not reflective of my financial history. It is annoying and distressful that this fraudulent bankruptcy keeps on persisting on the credit report. Regardless of its fraudulent identity, as the XXXX XXXX XXXX, this account should be removed already as it has already been for more than 7 years! 
The details of the bankruptcy claim are as follows : Bankruptcy chapter XXXX Reference number : XXXX PLEASE DELETE!!!! 
I am formally disputing this bankruptcy claim and kindly request your assistance in conducting a thorough investigation into this matter. I understand the importance of accurate credit reporting and the impact it can have on my financial standing. Therefore, I request your prompt attention to this matter to ensure the timely removal of the erroneous bankruptcy claim from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live with someone else. This is the second time Since XX/XX/2018 my account information has been co-mingled with our living partners. I have requested twice a validation of Debt in writing with no written or electronic response. Under the law [ FCRA/FDCPA ], this alone proves the debt is NOT MINE. This greedy " corporate '' entity is still trying to take advantage of people during COVID-19 an collect money from sick people who have little health coverage during the pandemic. The account they have been trying to collect from, is from a bank I have been a member of a credit union since before then. Very uncooperative when trying to call on the phone and explain their mix up, I don't have time for this as they reduced hours at work since the start of the Corona virus outbreak. It is such a RipOff the have Portfolio Recovery have complete access to all the consumers credit reports and then try to force them to pay for debts that at not even theirs. They say I owe {$100.00}, I say I owe {$0.00}.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX  Consumer ID XXXX XXXX  DOB : XX/XX/XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX  Address : XXXX XXXX XXXX XXXX, State, Zip code : XXXX XXXX, TX XXXX XXXX To Whom This May Concern, I am writing to request an investigation of the following accounts that I have NEVER opened or used. I am requesting the deletion of the following information from my Early Warning consumer report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I have a Coinbase account that took {$1000.00} out of my bank account on XX/XX/2021 unauthorized I contacted them about this on the XXXX and they froze my account which I have no access to with a considerable amount of money. They are making no effort to resolve this I was given 2 case numbers the last oneXXXX Im more concerned about getting my account back than the {$1000.00} that was taken. This seems to be a common problem with this company.