23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I submitted a complaint yesterday about this problem. Complaint No. XXXX. This morning, a Sunday, at XXXX I received another threatening call from Macy 's to pay my bill ( which was never received ) or else ; I explained the situation again and was told they mailed a bill to me on XXXX, XXXX ; how could I possibly receive it in XXXX day since there is no mail received on Sunday. I have been getting these calls on a daily basis at all hours of the day and night, but it seems to me that since I told them originally last week that I never got a bill, they should have mailed me a bill at that time instead of harassing me with daily phone calls when their records show the bill was just mailed two days ago and no mail is received on a Sunday.
Product: Credit reporting or other personal consumer reports

XXXX XXXX 2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ I made a complain through Consumer Financial Protection Bureau to dispute credit card accounts that were opened fraudulently under my name with Bank XXXX XXXX. I received XXXX letters from Bank XXXX XXXX in which they stated that they received disputes for a loan with Bank XXXX XXXX. However, I'm not disputing any loan, I did open a car loan with Bank XXXX XXXX in XXXX and the loan was paid off entirely in XXXX. 
I want to clarify that I'm only disputing the XXXX credit accounts with bank XXXX XXXX, XXXX account with XXXX XXXX and XXXX account with XXXX XXXX. 
I also want to inform you that I received a statement from XXXX XXXX to my address for the first time even thought I never requested it. The fraudulent account was opened with a different address, and this is the first time I received a letter to my address. 
XXXX XXXX is trying to link the credit account to my actual address. The address link to the fraudulent account is XXXX XXXX XXXX XXXX, CA XXXX. I contacted XXXX XXXX in the past and they did not have any proof or document of a credit account opened with my real address XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX. 
I also contacted with XXXX XXXX and they also do not have any document or proof that it was me who opened a line of credit. They only had the record that l opened a bank account with them. They could not provide any proof of my identity to confirm that it was me who opened a credit card. 
I'm requesting these fraudulent accounts to be removed from my credit report. I'm attaching my apartment contract with my address since XXXX and my utility bill with the same address.
Product: Debt collection

The attached referenced collection agency has violated my consumer rights and I have asked the company to validate the debt that they say that I owe with them by providing me with a copy of the purchase agreement and the bill of sale. The company has failed to provide any proof that the debt is valid. I have also advised a cease and desist until documentation is provided for the validation of debt with their company under the fcra laws 15 usc 1692 g. I am demanding that this be removed from my credit report immediately. 

XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX {$660.00} Open balance XXXX XXXXXXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original creditor name XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not have my loan info. on file, so I added it, when I did it suddenly showed 2 installment loans. I deleted the one and then they showed NONE on my report taking my credit score way down. I filed a dispute with them, they did NOTHING once again, I can not get them to answer me on the phone why this is not on my report, I gave them the loan #, the amt. the everything but yet EQUIFAX refuses to fix my credit score. Why are they allowed to play games with peoples credit when they are supposed to be regulated? I have asked you for help before and YOU did NOTHING .... XXXX is it going to take????????????????????????????????????????????????
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act. the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

XXXX # XXXX {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$910.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$220.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$680.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$390.00} XX/XX/XXXX XXXX. XXXX # XXXX {$1500.00} XX/XX/XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$100.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$450.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXX XXXX {$4200.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumers 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 or other personal consumer reports

After receiving a copy of credit report following a dispute, I noticed unauthorized inquiries on my report. 
XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way this CRA is furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX such authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

This summer I rented a car through XXXX and they told me my credit rating was XXXX and rented me the car without a credit card. I also applied for a loan this spring and got it with no problems. Last week my credit rating was reported as XXXX on XXXX. Yesterday, I got a loan rejection from a credit card company who said my credit rating on Transunion was XXXX. 

What 's the point in having the ratings if they are so divergent?
Product: Payday loan, title loan, personal loan, or advance loan

Finfit wants me to pay back a loan that they are aware I havent received. They neglected to do a third-party verification which allowed my loan amount to be improperly delivered, and deposited into an account that is not mine.

The debit card number was entered incorrectly due to human error. Someone or their system should have flagged and rejected it.-and kicked it back. It shouldnt have allowed it to go thru. They are also a financial institute that should, per their policy, verify information to ensure a smooth and safe transaction for the consumer ( located in the Use of information portion of their policy ). And that was not done.

They failed to Compare and verify my information to the information of the receiving account. My Information was collected prior to transmission of funds but the information was not used properly, or most likely not at all. Or perhaps there was a glitch in the system that allowed this to happen.

Unused information collected : name on the card, debit card number, expiration date, CVV code, address, and ZIP Code..

As a result of the absence, of a properly working verification system, my data has been breached, Someone now has my Non-public information. That when used together, can properly identify me as an individual. Lenders name Lenders address Lenders phone number Loan Amount Date of transmission Amount transmitted Time of transmission Transmission amount Expiration date CVV code This case has been escalated to supervisors, to no avail.

Im suggesting that, Due to human error, the loan be written off as an operating loss and a deposit re-issued to the correct account or at the very least the loan should be terminated. I dont Think either of us believe that I should bear the burden of Financial responsibility for funds that have not been delivered to me and that I have not received. 

They have stated theres nothing that they can do and that I am totally responsible for the loan whether I received it or not.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the Fraudsters or the Companies ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX ( XXXX USD in total ) which was transferred from my wallet utilizing Coinbase 's services. 
I had tried multiple times to resolve this issue with Coinbase but they just keep ignoring my letters and complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$87.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor name " XXXX XXXX XXXX '' Violated the fair credit report act by unlawfully reporting to all three credit bureaus which affected my fico scores. How they violated my rights by unlawfully reporting to the bureaus without allowing me to dispute and verify any debt so I may dispute any error. The collection agency hasn't notified me by mail, email or phone call. I haven't received any form of Communitions of the three from " XXXX XXXX XXXX '' by them or XXXX XXXX 
I have been a victim of fraud and identity theft which resorted to subject towards a credit freeze with all three credit report agencies because someone is unlawfully using my social security without my acknowledge with the attempt to open accounts. I am seeking by law and due to the circumstances of the removal and any reporting from this collection agency to be wiped of my credit reports permanently because of violation of rights and fraudulent activity.
Product: Debt collection

Amsher Collection Serv @ XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( the erroneous debt was sold to them by XXXX  ) threatened me and refused to work with me to resolve a debt that was paid in full and erroneously applied to my credit report as a collection. 

When trying to resolve it I was hung up on, place on hold multiple times, aggressive tactics were used to force me to accept a debt that I knew was never valid in the first placed, and then threatened with suit for attempting to seek resolution. On top of that I was lied to ( on a recorded line ) when they told me multiple times that I would get an email that shows me the charges and validates them. 

These are some of the rudest, most inconsiderate, aggressive, and I'd say they are at a bare minimum committing malpractice as a debt collector.
Product: Credit reporting

I have submitted several disputes about the current payment status of " XXXX or more past due '' on XXXX accounts with Equifax and they always come back as confirmed with creditor. The XXXX account was settled in 2012, and the XXXX XXXX XXXX account was transferred over a year ago. XXXX creditors say the status is incorrect but they can not change it. How can accounts be closed with zero balance and also be 120+ days past due at the same time?
Product: Mortgage

On or around XXXX XXXX I was finalizing a XXXX XXXX Bankruptcy. I received correspondence from XXXX County Municipal Courts stating my loan was current and a request was made to dismiss my Bankruptcy and stop my foreclosure proceedings. This request was made by Attorneys representing XXXX XXXX. I had successfully completed 60 months of my payment plan made by my Attorney and the Trustee to saved my home from foreclosure. On or around XX/XX/XXXX I started to receive collection calls from one Loancare company stating that I was in default and that I now owed {$3400.00} on my mortgage. 
The gentleman whom I spoke with never produced any proof that there was in fact a delinquency, I asked if this was a collections call from the loan servicing company he said yes. I asked if he was familiar with FDCPA? I made a request for a full Itemized list of all payments made and payments received to confirm that if I was in fact delinquent that the proper protocol were if fact being followed. A few days later I received a dunning letter without a itemized list of payment. There was not proof of anything that would show that Loancare was a company that was entitled to receive payment on behalf of XXXX XXXX ( XXXX ). The calls were a violation of Section 807 ( 11 ) of the FDCPA Inital Communication and Subsequent Communications. XXXX XXXX al v. XXXX et al, No. XXXX - XXXX XXXX ( S.D. Ohio 2010 )
Product: Checking or savings account

I had my statement come in XX/XX/year> and have had nothing but issues since in the statement it says that I deposited XXXX was deposits then says purchases XXXX my balance should be XXXX it then says transfers XXXX tose transfers were me transferring money from my credit card account to my checking account refused to give me any information on my funds so I continued my account and now In XXXX we had the same issue and reapeaatly had this same cycle over and over every month I had recently put a complaint in with XXXX AND INSTED THEY HAVE NOW TAKEN IT UPON THEMSELVES TO CLOSE MY ACCOUNT BUT YET THEY HAVE FAILED TO RETURN ANY OF MY MONEY FROM MY ACCOUNTS FROM THE NUMEROUS UNAUTHORIZED TRANSACTIONS AS WELL AS ANY OF THE OTHER MONIES IN QUESTION NOR HAVE THEY GIVEN ME ANY DOCUMENTS IN REGARDS TO THERE SUPPOSED INVESTIGATIONS.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit reporting or other personal consumer reports

his was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and unpleased that my credit report was misused and I have been violated. I was apart the breach when the XXXX and Experian got sued so I thought my information was protected moving forward. Thats makes me scared over the privacy of my information. As I was trying to purchase a home I discovered how I have been violated again. This is defamation of my character and putting my livelihood at risk stopping me from buying a home. So I immediately did research to educate myself and enforce my federal consumer rights so I can moved forward in my life. As the consumer financial protection bureau I ask you to help me exercise my rights IMMEDIATELY! I have several fraudulent accounts on my credit report that should not be there. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Congressional findings and statement of purpose, my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. There are damages on my consumer report that is causing financial and psychological stress. According to, 15 U.S. Code 1681n ( 1 ) ( a ) ( b ) - Civil liability for willful noncompliance, I have the right to sue for up to {$1000.00} per damages for being under false pretenses and not knowing about how my information has used in the breach and the negative accounts that is on my consumer report. I know my rights!! Attached you will see the disputes I am sending to all the credit reporting agencies. REMOVE ALL THE DAMAGES FROM MY REPORT IMMEDIATELY
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX Date : XX/XX/XXXX Re : Acct # Comenity Bank To Whom It May Concern : This letter is being sent to you in response to recent communication.This is  not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. 

Your legal staff will agree that compliance with this request is required under the laws of California and Federal Statutes. 
In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns. I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. 
I also hereby reserve my right to take private civil action against you to recover damages. 
Sincerely, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - In addition to this formal letter, XXXX XXXX XXXX stated that they never received any dispute allegations on this noted account but they have been updating the account with and I quote Disputed by customer, customer disagrees since XXXX. XXXX XXXX Services should not have to lie to prove that I am the intended party for this debt. There is no signature or any validation stating I was the party responsible.
Product: Checking or savings account

used ATM in XXXX ms tried to withdraw {$400.00} ATM said out of service after it accepted my ATM card, i never received the money but yet after 2 tries with TD Bank they said i received it also they are charging me {$35.00} penalty. i asked to see they Video of transaction and they are refusing. ( i was told to call local police and file a report, i did call and the police told me thats its my fight with the bank and not theirs ) i feel i have the right to defend myself but they are saying i have none. this happened on XX/XX/19 at XXXX XXXX XXXX XXXX XXXX MS ATM # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, PORTFOLIO RECOV ASSOC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOV ASSOC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX & XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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.