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

While My wife and I were trying to make an offer to buy a condominium at XXXX XXXX of South Carolina. Our realtor advised us to get a mortgage pre-qualification letter from a lender. He recommended XXXX XXXX to get the mortgage from so weve filled an application on XX/XX/2022. The bank sent us an email to inform that our loan was denied due to low credit score of XXXX. 
I asked for the credit report to see our overall score which were XXXX, XXXX, XXXX for my wife and XXXX. XXXX for myself. 
I communicated with XXXX XXXX and XXXX XXXX from XXXX XXXX to explain that my Medicare refused to pay some of my medical lab bills therefore the small debit amount appeared on my credit report. I informed the bank that I am willing to pay that debit if the bank will reconsider evaluating my loan application accordingly. For fairness the lender shouldnt take the lowest score out of five scores as a reason to deny our loan and kill our dream to buy the condo. 
We believe the Gentlemen did not promote the equal lending opportunity act. 
Attached some of our correspondence email
Product: Debt collection

I have recently started receiving correspondence via U.S. mail from Portfolio Recovery Associates to collect a debt. There are two collections on my credit report from this collection agency. One report is with an original creditor XXXX XXXX with a balance of {$330.00} and the other is XXXX XXXX with a balance of {$440.00}. I've never had an account of any kind with XXXX XXXX and until XX/XX/2022 I never had an account with XXXX XXXX ( which is paid and in good standing ). Upon further review, Portfolio Recovery Associates are not licensed to collect in the state of Michigan. This debt is not owed by me and collection attempts should cease and desist. I would also like the negative credit reporting removed immediately. This company has a history of illegal collection attempts and misconduct .... " Allegedly. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax, XXXX and XXXX letters disputing inaccurate information being furnished on my credit report. I sent in my identification as well, but the inaccurate accounts are still being furnished. I never gave Equifax, XXXX or XXXX consent to furnish this information which is a direct violation of my federally protected rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my XXXX. 15 U.S.C 1681 section 602 A States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

Tax Lein paid off before sent to collections dating back to 2009.
Product: Debt collection

This alleged Debt appeared on my file on XX/XX/2019 in the amount of {$760.00} not sure from whom but this is not my debt and i do not have a contract with ABILITY RECOVERY SERVICES and and this this account is fraudulent and needs to be removed before i take legal action and will not hesitate.
Product: Debt collection

DEBT HAS BEEN ERASED ON THE XXXX WEBSITE, BUT NOT ON MY CREDIT KARMA XXXX, WHICH THAT DEBT SHOULD BE REMOVED, AND DELETED. THIS IS THE DEBT I STILL SEE ON MY CREDIT KARMA CREDIT REPORT. 


Derogatory marks XXXX XXXX collections / XXXX XXXX XXXX XXXX Rating High Impact Learn more about ratings Based on your credit report information from XXXX on XX/XX/2023. 
We noticed negative marks on your report Derogatory marks generally stay on your report for XXXX years, but their effects can start to fade over time. 
Karma Pro Tip The federal Consumer Financial Protection Bureau has excellent resources for dealing with debt collection. 
Collections XXXX XXXX XXXX Opened XXXX {$450.00} If you have a collection Since debt collectors need to have proof that their info is accurate, you should dispute a collection if anythings off. 
Know your rights debt collectors cant keep calling you.

See if its worth negotiating your debt. If its old, you might just wait for it to fall off.

If you have a public record Public records like bankruptcies, civil judgements, and tax liens are harder to remove.

If any info is wrong, get documentation and court records to build your case.

Dispute with the credit bureaus to remove the public record.

View another credit factor On-time payment history 100 % Credit card use N/A Credit age XXXX yrs, XXXX mos XXXX accounts XXXX XXXX inquiries XXXX
Product: Credit reporting or other personal consumer reports

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT WAS DEEMED UNVERIFIABLE AND REMOVED FROM MY CONSUMER REPORT. 
I NOTICED THE ACCOUNTS HAVE BEEN ADDED BACK, UNDER FCRA 15 USC XXXXI ( XXXX ) A, I WAS SUPPOSED TO RECEIVE A WRITTEN NOTICE WITHIN 5 BUSINESS DAY BEFORE REINSERTING ACCOUNTS TO MY PROFILE I DID NOT RECEIVE ANY CORRESPONDENCE VIA MAIL I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC XXXXB FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC XXXX XXXX EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC XXXX XXXX DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF ID THEFT IN XXXX OF 2019. I FILED A REPORT WITH THE FTC, XXXX POLICE DEPARTMENT AND CONTACTED BANKS. I SUBMITTED ALL THE DOCUMENTS TO ALL THREE CREDIT BUREAUS YET THEY DECLINED TO REMOVE THE INACCURATE INFORMATION FROM MY CONSUMER REPORTS.
Product: Credit card or prepaid card

My name is XXXX XXXX and have an XXXX  Amex card ending in XXXX, we bought some tickets last year before the pandemic to go from XXXX to XXXX and XXXX to XXXX in XX/XX/2020 on a XXXX leg of the trip. The XXXX leg was on XXXX XXXX and the XXXX was on XXXX  airlines. Due to the travel restrictions and airlines cancelations, XXXX XXXX refunded our money but we are having issues with the XXXX leg of the trip. Its been months that we are trying to get the refund on the XXXX to XXXX leg. When ever we call Amex customer service, its been a couple of times we are asked to call XXXX  airlines and have them send the refund. We are also told because your fee rules indicate there is no refund on this ticket. Nothing was clearly told to us that if pandemic hits and the flights are canceled we would not get the refund on that flight. We have XXXX little babies who were traveling with us and didnt want to travel with them and get sick. As we were uncertain of this travel we canceled the flight and did not wait to cancel it by the airlines. As it turns out XXXX  cancelled the flights itself a few days later. Now we have an email from XXXX  telling us we need to reach out to the reservation agent that is Amex to ask for the refund. Please advise how we can solve this?? We paid $ XXXX and no one is helping us fix this. We are so helpless and annoyed with this passing the buck between Amex and XXXX  airlines that we will never use your services again in the future to book our travel needs.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unverified Debts on Credit Report by XXXX and Third-Party Debt Collectors Dear XXXX, I am filing a formal complaint against XXXX and the following third-party debt collectors that are reporting unknown and unverified debts on my credit report. These debts are not owed by me, and I have never had any form of service or association with these companies. Despite my dispute, XXXX has failed to properly investigate and verify these entries, which is damaging my credit profile and violating my rights under federal law. 

Details of the Accounts and Collection Companies : 1. national credit adjustment {$290.00} 2. Credit collections {$570.00} These accounts are being reported by third-party collection agencies that I have never had any relationship or service with, and the debts they are attempting to collect are completely unknown to me. Despite my disputes to XXXX and the collection agencies, the debts remain on my credit report, and I have received no satisfactory verification of these accounts. 

Violations : Failure to Verify Debt : I have disputed these debts with XXXX, requesting verification in accordance with the Fair Credit Reporting Act ( FCRA ). However, XXXX has not properly investigated or verified these debts, allowing them to remain on my credit report. 
Unlawful Debt Collection Practices : The collection agencies ( XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ) are attempting to collect debts that I do not owe. I have never had any accounts, services, or transactions with these companies. As per the Fair Debt Collection Practices Act ( FDCPA ), they are required to cease collection attempts unless they provide proper verification of the debt, which they have not done. 
Damage to Credit Report : As a result of these unverified debts remaining on my credit report, my credit score has been negatively impacted, even though the debts are not legitimate.

Request for Action : I respectfully request that the Consumer Financial Protection Bureau investigate the following issues : TransUnions failure to verify these debts in compliance with the Fair Credit Reporting Act ( FCRA ).

The illegal collection practices by the afo
rementioned third-party debt collectors attempting to collect debts I do not owe.

The removal of these accounts from my credit report if proper verification is not provided.

An investigation into whether these companies have violated federal regulations, including penalties if applicable
Product: Credit reporting, credit repair services, or other personal consumer reports

They have refused to correct my information on all bureaus and in fact merging my consumer with report with similar names and my name is very unique and is not relatable in anyway, PURSUANT TO 15 U.S. Code 1681 - Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting. 

1. My Accurate legal full name is exactly : XXXX XXXX XXXX. 
I do NOT want any name other than what I listed above to be retained or reported. 
Please delete any other names the ones listed below that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My Accurate complete mailing address is : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Please delete any other addresses and the ones listed below that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information. 
XXXX118 WHITE TRXXXX XXXX XXXX, FL XXXX Address ID : XXXX Report number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX Report number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX Report number : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX Report number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX Report number : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Address ID : XXXX Report number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX THERE SHOULD BE NO OTHER ADDRESS RETAINED ON MY REPORT! 
3. My Accurate Full Date of Birth is XXXX If any other date of birth is listed other than what was typed above was NOT provided by me and should NOT be retained or reported. If any other date of birth is listed, please delete at once or provide evidentiary PROOF the legal right to retain such information
Product: Credit card or prepaid card

Lost my wallet with my CC and reported it and was put on XXXX hour hold at my request ( they do not tell you this option is available, they only want to cancel your card. ) After doing this I realized the card is attached to multiple electric vehicle charging accounts which I would need to access on my return trip in my electric vehicle. I talked to someone else and they assured me my charges for my electric vehicle would go through. ( Card still on XXXX hr. hold at this point ) .I then used another Chase XXXX card for a purchase and it was declined ( This card was also on hold ) Then I was worried that my card would not work and allow me to charge thus preventing my trip home. I called Chase again and was assured that the card would work but that they were cancelling my card.Through a third call to Chase I was told some additional information but they would not reinstate my card. My point here is that their misinformation has caused me great amount of time and effort because I will have to change all my auto payments with new information and if you have ever tried that you will know how difficult and time consuming that is.The last person I talked to I told them that I felt that the call center individuals got a bonus for every CC that they cancelled because Chase wanted to avoid any liability of a lost or stolen card and XXXX the cardholder!, Didn't deny this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed with XXXX XXXX  two items on my Equifax Credit Report that were sent via certified mail. XXXX XXXX never replied within the time frame allowed. On XX/XX/XXXX I disputed with XXXX XXXX  again regarding the two items on my Equifax Credit report, XXXX XXXX did reply on XX/XX/XXXX, regarding the XXXX, however it was not within the time frame, and there was never a reply regarding the {$610.00}, Either one of these two items were ever verified. This was also outlined in my complaint # XXXX
Product: Credit reporting or other personal consumer reports

CFPB Complaint Immediate Removal of Fraudulent XXXX XXXX Charge-Off To : Consumer Financial Protection Bureau ( CFPB ) Subject : Unlawful Reporting of Fraudulent Charge-Off Immediate Removal Required Issue Summary : I am filing a formal dispute against TransUnion for failing to remove an incorrect charge-off reported by XXXX XXXX ( XXXX ). This account includes fraudulent charges, and its charge-off status is invalid under federal law. 
Details of Disputed Account : Creditor Name : XXXX XXXX Account Number ( Last XXXX Digits ) : [ XXXX ] Status Reported : Charge-Off / Derogatory Collection Amount Reported : {$1700.00} Date Reported : XX/XX/XXXX Date Closed : XX/XX/XXXX Credit Bureau Involved : TransUnion Legal Basis for Immediate Deletion : 1. Fraudulent Transactions Nullify the Charge-Off ( 15 U.S.C. 1666 Fair Credit Billing Act ) This account contains fraudulent transactions that were disputed with XXXX XXXX. 
Under the **Fair Credit Billing Act ( 15 U.S.C . 1666 ), I am not legally responsible for unauthorized charges. 
Because the reported balance was not valid, the charge-off itself is also invalid and must be removed immediately from my credit report. 
2. TransUnion is Violating the FCRA by Reporting Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ) Under the Fair Credit Reporting Act ( FCRA ), credit bureaus can not report information that is inaccurate or unverifiable. 
Since the charge-off is based on fraudulent charges, it is legally inaccurate and must be deleted from my file immediately. 
XXXX. If TransUnion Can not Verify the Charge-Off, It Must Be Removed ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) The FCRA requires credit bureaus to remove any item that is incorrect or can not be verified. 
If XXXX XXXX can not provide proof that this charge-off is valid, TransUnion is legally required to delete it.

4. Federal Law Requires Immediate Deletion of Invalid Charge-Offs ( 15 U.S.C. 1681c ( a ) ( 5 ) ) A charge-off based on fraudulent activity is considered inaccurate reporting and must be removed immediately from my credit report.
Product: Credit reporting

the listed personal information is incorrect and needs to be removed and changed. 

The information on CDL is current and correct. 
and my employer is self employed at XXXX XXXX XXXX XXXX XXXX ca XXXX
Product: Checking or savings account

Ref. CFPB Complaint no. XXXX On the morning of XXXX, 2021 at XXXX PCT, I accessed my XXXX portal to check the status of my outstanding complaints against WellsFargo Bank . Ss a result, I discovered that I had received a correspondence from WellsFargo 's Case Specialist/Enterprise Complaints Management Office, and what I found was incredibly shocking to me. 

Within WellsFargo 's correspondence letter, title Subject : Complaint Resolution WellsFargo Case ID : XXXX The total number of unauthorized transactions is not correct. Under the heading " What you need to know '', in the third paragraph, it is stated that the total number of disputed transactions is five ( 5 ). The correct total number of disputed unauthorized transactions is actually XXXXhirty two ( 32 ). 

The first ( 1st ) unauthorized transaction was made on XXXX, 2021 from a company in XXXX for the amount of {$21.00}. This transaction was discovered during an audio recorded conversation with a ( " WellsFargo Claims Resolution Specialist '' - WCRS ) on XXXX, 2021. 

The claims specialist and I together want over every line, starting from my XXXX, 2021 XXXX XXXX, 2021 banking statements, ( I did my verifications from my banking statements of which I accessed directly from my WellsFargo online account, in conjunction with the WellsFargo claims specialist 's access of the real time online postings, and concurring our findings together ). I told the WCRS that the XXXX XXXX, 2021 unauthorized transaction was not on my bank statement which is posted online. In addition to this, there were six ( 6 ) additional unauthorized transactions of which I originally had on my online banking statements that the WCRS did not have in their original findings from the real time online postings, and as a result were added by the WellsFargo claim specialist to my claim. 

The other thirty one ( 31 ) unauthorized transactions are posted on my XXXX, 2021 statement, ( on page 2 of 6 which are charges from XXXX XXXX XXXX XXXX thru page 3 of 6 which are also charges from XXXX XXXX XXXX and include a charge from XXXX XXXXXXXX in the amount of {$32.00}, location unknown and a charge from International Purchase Fee in the amount of {$0.00}, also location unknown ) and my XXXX, 2021 statement, ( on page 2 of 5 thru page 3 of 5, also charges from XXXX XXXX XXXX 

On my XXXX, 2021 statement, appears the WellsFargo transaction ( REVERSAL OF EXCESS CREDIT DUE TO MERCHANT CREDIT CLAIM ) in the amount of {$150.00} of which I am also disputing because those funds where deducted and then redeposit so many times, in and out of my account, that I am sure that there is an error on the part of WellsFargo . 

As a continued result of both accounting and crediting errors by WellsFargo my account still remains in the negative with no explanation of the initial/latest {$410.00} deduction termed ( REVERSAL OF EXCESS CREDIT DUE TO MERCHANT CREDIT CLAIM ) which has niw placed my account in the negative - {$400.00}
Product: Debt collection

The balance on the credit card was paid in full. I did not use this card for any transactions after the balance was paid in full. I only use credit cards for emergencies and then try not to carry a balance. My credit history and XXXX score was in the XXXX range when I first started dealing with USAA and had a excellent payment history prior to any financial dealings I had with them. Since my mortgage refinance in XX/XX/2015, that they processed under illegal contracts contracts, my credit history and scores as well as my financial life has been a logistical nightmare to clean up. 
Below you will see the proof that this card balance was paid off. 
USAA has caused harm and character defimation to my credit history and score by falsifying any transactions occurring after this payment shown on this bank statement. 
Such malicious acts were done to keep me from moving forward financially and to cover up their illegal and fraudulent mortgage service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off an account with Self Lender ( XXXX XXXX XXXX ). They are reporting my payment from XX/XX/XXXX as late but it was made early as I made 2 payments on XX/XX/XXXX, and another on XX/XX/XXXX.

Shortly after I paid on XX/XX/XXXX, my online account reflected that XX/XX/XXXX was " Paid early. '' When I paid again in XX/XX/XXXX, I assumed it would be applied to XX/XX/XXXX payment.

I have requested a goodwill late payment removal of this payment on account of my typically paying early on this account, but after review of my original loan documents, there is nothing there barring early payments. The documents do not state that early payments do not count toward the next month 's payment. The terms state that : " I may pay without penalty all or a portion of the amount owed earlier than it is due.

Early payments will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments of accrued unpaid interest. '' If early payments aren't applied toward the next month 's payment, I don't understand why my online account reflected that XX/XX/XXXX was " Paid early '' after my 2 payments in XX/XX/XXXX. I also don't understand why the account agreement doesn't state " Early payments will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments under the payment schedule '' versus " Early payments will not, unless agreed to by Lender in writing, relieve me of my obligation to continue to make payments of accrued unpaid interest. ''
Product: Credit reporting 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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