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

I am submitting this complaint today to inform you that I have been a victim of identity theft. I conducted research on how to remove fraudulent accounts and information from my credit report, and I discovered that I need to visit the Federal Trade Commission ( FTC ) or https : //www.ftc.gov to file a report. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are obligated to remove and block any items listed on an identity theft report. Please find the attached documents that will assist in blocking the erroneous information that is being posted on my report. Here is a list of items that do not belong to me or were opened without my permission XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to Section 605B ( a ) of the FCRA, Credit Reporting Agencies are required to block any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft within four business days of receiving the information.
Product: Debt collection

Hello, I am a victim of identity theft, I have tried numerous ways and times to communicate with the companies but have been shown negligence on their end! 
This account was not transacted by me! XXXX XXXX Account # : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I am being harassed over and over about this alleged debt that IS NOT MINE! With the numerous amount of complaints i have submitted i am positive i have enough for a lawsuit! 
I have been in communication with the consumer finance protecetion bureau, the FTC, all three credit bureaus and the original credit for OVER TEN MONTHS FOR AN ACCOUNT THAT IS NOT MINE! 
I am in talks with an attorney and honeslty i just want to have this over with! 
Please do what THE LAW REQUIRES AND DELETE THIS TRADELINE FROM MY REPORT IMMEDIATELY!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a auto loan through US Bank that I decided to set up auto pay for. When I added auto pay I was charged twice for the month and thus was a month ahead on my payments. Upon discovering this, I reached out to the bank via telephone. I requested that auto pay simply be turned off for the upcoming month so that the extra payment would be applied and then turned back on the next month. The customer support representative said this wouldn't be a problem. However, the following month it wasn't turned back on and a late payment occurred on my account. When the bank brought this to my attention I immediately paid the late month and the current month. I made mention of my last phone call and they said they don't offer this service and I would be held responsible for the late payment. I have tried speaking with other representatives, managers, and other senior bankers and nobody has been able to help me. I have always been a responsible lessee with US Bank and all other lenders. I don't believe my credit score should reflect the error of an improperly trained employee of US Bank. Any assistance with this matter would be greatly appreciated.
Product: Credit card or prepaid card

My PlayMGM prepaid card has been blocked due to fraud. The website is playmgm.mycardplace.com. The balance is on my account is {$180.00}. The company refused to help me.
Product: Mortgage

When closing for my home mortgage on the property at XXXX MD XXXX. I closed with a mortgage company who after my closing sold my Mortgage to PennyMac. During closing I was told to purchase home owners insurance on the property which I did. For the value of {$390000.00} i was only required to have {$330000.00} of coverage as what was estimated at far market value to replace the home. Today XX/XX/2017 I received a letter from PennyMac istructing me that I must increase my insure coverage ( the letter by the way was dated XX/XX/XXXX ). Upon speaking PennyMac on XX/XX/2017 they infomed me is must increase my coverage to {$5000.00} dollars past what is on the current loan. I was told that this was THEIR policy. If I did not do this then they said PennyMac would buy insurance for me. I believe this is in violation of my mortgage agreement that I signed at closing.
Product: Checking or savings account

On XX/XX/XXXX I deposited 2 checks via online. One from my work place, aka XXXX XXXX for XXXX and another from my grandfather for XXXX. They placed a hold on my checks and said that it was fraudulent. Which it isnt. Clearly both checks are made out to me and they have my name on them. They refuse to give me my money.
Product: Credit card or prepaid card

Had a secured credit card at Navy Federal. Went over secured credit limit. Remaining balance was decreased with the secured funds but the remainder sat for 9 months before I could handle the situation. The checking account was closed but the savings was still in use for the 9 months. Had transactions during this time. Two weeks ago I started back working wanted to take care of my debts. First check was basically absorbed by this process. Then I made another payment to the balance. With less than 400 left to pay it off the bank takes the remainder of my balance in my account and puts it in the negative. The bank says they have to put a hold on the account for the secured amount because the account still has a balance and if I want it lifted I have to pay off the remaining balance. During the last 9 months my account was open and being used. No hold. Now that I put a direct deposit in the account they put a hold on my funds without notice. They said they just took that secured payment in XXXX of 2022 but it was before that and like I said I have had random deposits go into that account. I want the hold lifted and any payments that was disrupted because of them set right.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Ally Financial XXXX XXXX XXXX XXXX, MN XXXX Date : XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To Whom It May Concern : You are in violation Fair Credit Reporting Act ( FCRA ), [ 15 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my consumer report on XX/XX/XXXX without my authorization or a Permissible Purpose under 15 USC 1681 Fair Credit Reporting Act ( FCRA ) and its guidelines for Permissible Purpose.

A Person shall not use or obtain a consumer report for any purpose unless ; 1. The Consumer Report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The Purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) 5 of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by consumer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX Transunion and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX Transunion and XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The items listed below are inaccurate Account XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XXXX XXXX XXXX XXXX Account # : XXXX Opened : XXXX TransUnion XXXX XXXX XXXX Account # : N/a Date XXXX XXXX XXXX XXXXccount # XXXX Opened : XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax is reporting incorrect information listed on the account XXXX it has several inconsistencies which means this account has not been properly validated or verified. An account can not report 3 different ways. 

Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- Account Rating : Closed Paid Paid Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There are also several late payments that are reporting which is not correct this account was never late. These late payments should be immediately updated to paid as agreed. Each bureaus keeps redoing that it is verified but provides no evidence that they conducted a reasonable investigation because if they did the information would be provided to determine this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax caused my personal information, including sensitive information like my social security number to be improperly stored and accessed by unauthorized personnel. The fact that the executives sold their stock before disclosing this data breach speaks to the lack of ethical leadership within the company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XX/XX/year> To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for The consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand my date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX
Product: Debt collection

My husband became ill at the age of XXXX and passed away approximately a month later on XX/XX/2018, while in a XXXX XXXX. 

XX/XX/2018 : I received a collections letter from XXXX. As I recognized neither the Creditor ( provider of services ) nor the amount owed, I immediately called to inquire about the correspondence. I spoke with XXXX, who told me that this was a bill for XXXX XXXX in XXXX. I told her that my husband had not been in a facility in XXXX. She said the original bill had gone to a XXXX XXXX ( XXXX? ) in XXXX XXXX, which has NEVER been an address of ours. She said she would send an itemized bill to my correct address. If this bill wasnt correct, I could write a letter and mail it to them to dispute the claim. 

XX/XX/2018 : Having received no correspondence reflecting this amount, I called back to XXXX  and spoke with XXXX. XXXX explained that this bill is for the physician who treated XXXX at the XXXX XXXX in XXXX XXXX ( which is correct ). He goes on to explain that I would not have seen an EOB with this amount, as they have not yet billed XXXX for this service. 

( Oddly disturbing fact, as I was speaking with XXXX, I overheard this in the background : lets give it up for XXXX who just got a {$430.00} (? ) payment and everyone cheered ). 

How many people blindly pay this, especially as there is clearly employee incentive to collect immediate payment? How can this go to collections without a single bill or a claim to XXXX? I feel as if this borders on fraud. 

When I asked XXXX about not billing insurance, he said that if people go ahead and pay them, the patient can still send a claim to their Insurance Company and XXXX would immediately repay the patient. I would wager the likelihood of this happening is quite low. If it took two calls for me to even discover the truth about these circumstances, how would most people know that they needed to follow up with Insurance after paying this? XXXX tried to back off from the debt collection aspect and said they handled the physicians billing. If that is the case, this correspondence should not state this communication is from XXXX  ; a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. When I call in, I am also told the call will be recorded and is an attempt to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries on my account. Please see that following : XXXX XXXX, Inquiry Date XXXX XXXX  XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX  XXXX, Inquiry Date XXXX XXXX  XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX These were reported to XXXX, Transunion and XXXX. I have not gotten information back regarding my complaints. These items are still on my credit reports. 

Due to the inaccurate information reported by these companies, my credit has been severely damaged. I am requesting that this information be investigated and the findings corrected and or removed from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXXXXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act 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 instructions.
Product: Debt collection

XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Debt Validation Request and Cease and Desist Notice To Whom It May Concern, I am writing to you regarding a debt you have claimed I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this alleged debt. Be advised that statements alone are not sufficient evidence of a debt. According to the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, a statement does not constitute adequate validation of an alleged debt. 

Please provide the following documentation to validate the debt : 1. The original contract or agreement that the debt is based on, bearing my wet signature.

2. A complete accounting of the debt, including the original amount, all payments made, and the calculation of the current balance. 
3. Documentation that you are legally entitled to collect this debt, which includes evidence of the chain of custody if the debt has been sold or transferred. 

Additionally, this letter serves as a formal cease and desist notice. You are hereby instructed to cease all forms of communication with me, including but not limited to phone calls, letters, and emails. This cease-and-desist order also applies to any reporting to consumer reporting agencies. Any communication, including entries on my consumer report, constitutes a violation of this cease-and-desist request and will be considered harassment. 

If you continue to harass me or fail to comply with my request, I will be forced to consider litigation. Below is an itemized list of potential costs associated with litigation for harassment and abuse : - Filing fees : {$400.00} - Attorney fees : {$2500.00} - Court costs : {$500.00} - Lost wages for court appearances : {$800.00} - Damages for emotional distress : {$5000.00} - Total potential cost : {$9200.00} Litigation Steps : 1. Consult with an Attorney : I will consult with a consumer rights attorney to discuss my case and explore my legal options.

2. File a Complaint : If necessary, I will file a formal complaint in court against your company for violating the FDCPA and for harassment.

3. Discovery : My attorney will request documentation and information from your company through the discovery process to support my case.

4. Court Appearances : I will attend all required court appearances, and my attorney will present evidence and arguments on my behalf.

5. Settlement Negotiations : If appropriate, my attorney and I may engage in settlement negotiations to resolve the matter out of court. 
6. Trial : If a settlement can not be reached, the case will proceed to trial, where a judge or jury will determine the outcome.

Please note that I will pursue these damages to the fullest extent of the law if this harassment continues.

I expect to receive the requested validation documents within 30 days of your receipt of this letter. Failure to do so will result in the assumption that you can not validate the debt, and it will be considered null and void. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the following dispute letter outlining the blatant errors on my report. The bureau failed to investigate the error and instead returned a response that the item was " updated ''. They have also ignored my requests for proof of the investigation. By law credit information must be 100 % accurate or it must be removed. Disputes are also legally required to be properly investigated. This bureau has been using evasive tactics to violate the FCRA. 

Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 
These credit accounts are reporting completely inaccurate information. The last payment date wrong. XXXX is reporting the last payment date as XX/XX/2021, but Equifax is reporting the last payment date as XX/XX/2021. This is an obvious discrepancy. Both payment dates are wrong as I have not authorized any payments from my bank to this company and all attempts were blocked by my bank. Both of these dates are inaccurate and are not consistent with what is being reported. 

The account is listed as : XXXX XXXX I also noticed another account that is reporting inaccurate payment history. The following account : XXXX XXXX XXXX XXXX  Is reporting on XXXX that there is 0 late payments and on Equifax it is reporting that there is one 30 day late, one 60 day late and three 30 day late payments. This is also a clear reporting error that is inconsistent and incorrect I am requesting that these items be removed. By Law, any erroneous or inaccurate information must be removed from the consumers credit report. 

Enclosed is documentation supporting my request : I have attached photos of the incorrect dates and payment history on the accounts The Accounts in question are listed as ; XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate this matter and delete the disputed items I have attached proof of the discrepancies as well.
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 a account without my written instructions. 

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 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 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 XXXXn accordance with the Fair Credit Reporting act XXXX Account 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 instructions
Product: Money transfer, virtual currency, or money service

Square , Inc was our credit card payment processor for about 10 months. We are a legitimate business ( XXXX XXXX XXXX ), that sells XXXX XXXX  and XXXX online and to local contractors. About a month ago Square , Inc. sent us an email saying our account is closed, the decision is final, and they will be holding {$7000.00} until XX/XX/year>. Meanwhile charging us {$20.00} for their invoice service which we can not use since our account is closed. They do not reply to our emails asking for further explanation. We do not understand how this is legal. We are a small business and do not have the money to hire an attorney. Please beware and any advice to resolve this would be greatly appreciated.