23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a formal letter to XXXX XXXX requesting validation of a debt as per federal law 15 U.S. Code 1692g - Validation of Debts. As of today, several months have passed, and I have not received any validation from XXXX XXXX 
This failure to provide debt validation within the required XXXX period, as mandated by law, is not only non-compliant but also illegal. Attached are copies of my original letter dated XX/XX/year>, along with the certified mail receipt confirming the date of my request ( Sent same letter to XXXX different XXXX XXXX  Addresses ). 
Given that XXXXXXXX XXXX did not validate this debt within the legally required timeframe, I hereby demand that Experian immediately remove this wrongfully reported account from my credit report. The continued presence of this unvalidated debt is causing me significant and ongoing harm, and it is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 
The account that must be deleted is as follows : Creditor : XXXX XXXX Account Number : XXXX Reported Balance : {$960.00}
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed that there are unauthorized fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I have provided a copy of a FTC REPORT, California state drivers license, and a copy of social security card. Please use the laws and codes that all credit reporting agencies are bound to follow by law as listed and explained below. I dont take my rights being violated lightly but a serious matter. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX ( XXXXurnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 15 USC 1681i ( 5 ) ( B ) ( ii ) ( ili )
Product: Checking or savings account

On XXXX XXXX XXXX  my debit cards were stolen and used to withdraw {$1000.00} and {$700.00}, totaling {$1700.00} from 2 different Wells Fargo accounts. I don't know who this person was or how they were able to withdraw money from an ATM. I immediately reported fraud to Wells Fargo within a few hours of noticing the withdrawal. 

Wells Fargo denied my fraud claim. I escalated the claim and it was denied again. Wells Fargo is not honoring their anti-fraud statement that says we are not liable for purchases made without our consent or authority. 

I filed a police report. Why would I file a police report if this was an authorized withdrawal?
Product: Checking or savings account

On XX/XX/2021 I opened a checking account with TD Bank after I received a promotion in the mail from them. The account was opened with a {$500.00} deposit from another bank I currently use. After account opening, I registered online and downloaded the bank 's app to my mobile phone and tried logging and there was some problem and the app instructed to call them on the 800 number. I called to find out what the problem was and they just said I have to go into the branch to verify something but they could not tell me what needed verification -- I just have to go in person. I reminded the representative on the phone that we are still in the middle of a pandemic and this would qualify as something considered essential. Nevertheless, I took time off from work on XX/XX/2021 to visit the nearest branch and correct what the problem was and possibly use this account for its intended purpose. The representative in the branch told me that there is a fraud notification on my account -- when I asked why when I entered all of my information correctly online and my application and deposits were accepted yet he could not provide any answers he could only tell me that I can not access my account but I can request to close the account. Since opening I had made an additional deposit on XX/XX/2021 and now I need to use this money to pay for living expenses so I agreed and asked for the funds to be returned and please close the account. This was also a problem and he said that closing the account would also not be possible -- I have to wait for the bank to decide what to do and ONLY THEN I would be able to close the account. Now I am stuck without money, without a clue as to what caused a fraud designation, more importantly without the ability to pay bills at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, the incorrect information was sti
ll found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EXPERIAN, XXXX XXXX XXXX XXXX  XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries and accounts listed below are still reporting on my Credit Reports and need to delete 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
Product: Checking or savings account

I have receipt a bounced check fee from wells fargo about 3 weeks ago. Not my fault. Had funds, no solution. Today, I get charged an over draft fee because when I have funds. Also, I can not transfer from checking to savings so I can't buy groceries. The over draft fee happened to wipe out my checking. This is a pandemic and Wells Fargo is making my life even harder. Please help
Product: Debt collection

I am receiving calls from Focus Receivables Management claiming claiming "this is an attempt to collect a debt",

when I called, the XXXX question I asked is "Is this a debt collection agency"

they hung up immediately,

the return call number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX  XXXX {$2700.00} XXXX {$2700.00} XXXX   XXXX {$2000.00} XXXX  XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$12000.00} XXXX  XXXX {$1400.00} XXXX {$260.00} XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$5000.00} XXXX   XXXX {$4000.00} XXXX  XXXX {$5500.00} XXXX   XXXX {$4000.00} XXXX   XXXX {$5500.00}
Product: Mortgage

XXXX XXXX XXXX sold my mortgage servicing to Green Tree. Every since then it is taking XXXX3 weeks for my mortgage payment to get to XXXX, XXXX from XXXX, XXXX. They call my home before the XXXX and tell me I am late. Something is happening to the payment via mail. I do not want this company to debit my checking account for the monthly mortgage payment. This month I mailed my payment on the XXXXof of XXXX. Today is the XXXX and the payment is still not there. I have been sending my payment certified mail for the last 18 months. Please see below ; Tracking Number : XXXXImage of a progress bar displaying in-transit statusin-transitProduct & Tracking InformationPostal Product : Extra Svc : Certified MailDate & TimeStatus of ItemLocationXX/XX/2015, XXXXDeparted USPS FacilityXXXX, XXXX XXXXYour item departed our USPS facility in XXXX, XXXX XXXX on XXXX XXXX, 2015 at XXXX. The item is currently in transit to the destination. 
XXXX XXXX, 2015, XXXXArrived at USPS FacilityXXXX, XXXX XXXX XXXX, 2015, XXXXDeparted USPS FacilityXXXX, XXXX XXXXXXXX XXXX, 2015, XXXXArrived at USPS FacilityXXXX, XXXX XXXXBasically, I mailed my mortgage to GreenTree on XXXX/XXXX/15. It arrived in XXXX, XXXX on XXXX/XXXX/15. From there the post office supposedly sent it to delivery at GreenTree. However, the mortgage payment has disappeared. Most months it disappears for a week or so then it shows up. Something is wrong. I have 18 months of certified tracking show this problem. Please assist.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered some inaccurate accounts that does not belong to me. Please review the documents I have attached.
Product: Debt collection

I have constantly Informed this company that I do not want are need this loan I did not sign are agree to anything and they do not want to remove my information from there records. 
I have email this company serval times letting them know that I did not want this loan and that I did not sign anything they keep charging me and now are reporting inaccurate information to my credit bueral. I did n't give anyone permission to use my information are sign my name.
Product: Debt collection

I received a notice from XXXX XXXX dated XXXX/XXXX/XXXX staring that I have an outstanding debt of {$490.00} XXXX XXXX id XXXX and the account is currently in collections. I contacted XXXX XXXX XXXX to find out what these charges were in regard too and the representative could not even locate this amount and stated that my bill is up to date and current and my next bill is not even due for another week. He could not explain the charges for {$490.00}. I have nothing but billing errors with this company since I signed up with XXXX in XXXX XXXX. I feel like XXXX is creating erroneous charges to try to make more money as I have had other billing disputes that they have been unable to explain but I paid the amounts in question for fear of them damaging my credit. I even attempted to cancel their services due to the fact that I felt that their charges were inaccurate and they threatened me with large cancellation fee amounts and in addition they told me that this would negatively damage my credit. I have other family and coworkers who have complained about these same issues. Please investigate XXXX as I believe they are inaccurately making charges and sending customers to collections illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Illegal Reporting of late payments to my consumer credit reports without my permission. Violation of code 15 US 1666B- Billing error. 
Capital one, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 card or prepaid card

I applied for an Apple Card on XX/XX/XXXX, and was notified that my application was denied because my outstanding balances were too high relative to my income, but that I could pay down my balances and reapply, without any detrimental effects. I began paying down my balances incrementally, reapplying each time, and being denied for the same reason, with the same guidance about how to get receive a different decision. I then paid off a large portion of my balances with birthday presents I received, and reapplied, this time noticing that I had previously underreported my annual income by only reporting wages. This time, I was denied because my information could not be verified, and instructed to call a Goldman Sachs Apple Card Approval specialist if I believed this was an error. I did so on XX/XX/XXXX, and was told that nothing could be done for 30 days, because the system was unable to take new information from me, at which time I could reapply. When I complained that I need the card right away, to finance the purchase of a new XXXX   for use in my job as an XXXX, and that I had been instructed repeatedly to reapply without any mention that doing so more than a certain number of times would prevent me from applying for 30 days ( if I had known this, I would have paid down my balances at once before reapplying, instead of doing it incrementally because I was told I could reapply repeatedly without penalty and was trying to get the card to finance my XXXX  purchase as soon as possible, for use XXXX  in these times ). After being transferred to a supervisor, I was told that I had to wait 30 days for the system to repopulate my data ; when I explained the situation and said I would contact the CFPB, I was told that a case would be opened for me and I would be contacted on XX/XX/XXXX. On XX/XX/XXXX, I received an email explaining that I had been rejected for the reasons detailed in the original rejection email, and to call a specialist if I believed this was an error. I called again, repeated exactly the process described above, was told again by a manager that all I can do is wait 30 days and reapply, although she initially said that there was no reason why that should be the case, so I am now filing this complaint. I am locked out of applying for a card I need to finance an urgent purchase for 30 days, because I did what the issuing bank told me to do in order to successfully reapply, at every point.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I Downloaded My credit report to see what the Investigation Results After Theses Accounts Came Back Verified. I Asked Each Reporting Agency To tell me how you did that. who did you talk to at the original credit grantor? did you write them? was a XXXX form used or was this through a electronic automatic dispute verification? did you contact them at the same address/phone number listed on my credit report? The FCRA says they have 15 Days to give me that. I asked them don't provided the generic response of how you used Theses methods.Tell me exactly how you verified them & include the full name of the person you spoke with. Original signature on all paperwork Also, what is the date of the commencement of delinquency? And when will This tradeline be past the reporting timeframe? ( NO Response on my questions but it was verified without any of theses questions answered ) Equifax how were these accounts verified??? 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX reporting twice ) XXXX XXXX XXXX # XXXX ( reporting twice as XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is an account on my credit from Credit Control Corporation that does not belong to me. I have contacted them several times in hopes of getting this issue resolved and to no avail was we able to get anything accomplished.
Product: Money transfer, virtual currency, or money service

Cash App refused to honour his policy of protecting the customer against scam and frauds Cash App had refused to return my stolen/scamming fund for the amount of {$28000.00}. 
Cash App had previously admitted to the loss of my fund but refuse to return the fund back.
Product: Debt collection

Complaint Details : * Debt Collector : XXXX Account # XXXX Nature of Complaint : XXXX. Lack of XXXX XXXX : XXXX Account # XXXX did not notify me in writing about the alleged debt before placing it on my credit report. This is a direct violation of the FDCPA, which requires debt collectors to provide written notice of the debt and an opportunity to dispute it before taking adverse action.

2. No Contract or Business Relationship : I have never engaged in any business with XXXX Account # XXXX and have no contractual agreement with them. Their claim is unfounded and unauthorized. 

XXXX. Inaccurate Reporting : The account information reported by XXXX Account # XXXX is inaccurate and incomplete. The balance listed on my credit report does not match any previous obligations, and the presence of " payment terms of 1 month '' is misleading and incorrect for a collection account. 

XXXX. Unauthorized Credit Report Entry : XXXX Account # XXXX added this account to my credit report without my consent, violating my right to privacy. They have failed to provide any evidence of my consent or their right to report this debt. 

Impact : The actions of XXXX Account # XXXX have significantly harmed my credit score, caused undue stress, and potentially affected my ability to obtain credit, housing, and employment. Their failure to comply with the FDCPA has also caused emotional distress and financial instability.
Product: Credit reporting or other personal consumer reports

I checked my credit report on XX/XX/scrub>/2025, noticed unauthorized and inaccurate information on all three of the credit bureau report.
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. 

XXXX XXXX XXXX XXXX Account # XXXX has violated my rights XXXXXXXX XXXX account # XXXX has violated my rights XXXX XXXX XXXXXXXX Account XXXX. has violated my rights XXXX XXXX XXXX XXXX account # XXXX Original creditor : 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 an account without my written instructions.

15 U.S.C 1681 c. ( 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 conviction 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 related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.