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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, 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.
Product: Checking or savings account

I had a Navy Federal account and I was charged a lot of overdraft fees, even though I was in their protection coverage call oops and now they close my account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 : Accounts : Portfolio Recovery Accounts : # XXXX & XXXX & XXXX Seller : XXXX  XXXXXXXX XXXX 
Comments : Consumer sent settlement letters, no response. 

XXXX XXXX Accounts : XXXX Seller : XXXX XXXX Comments : Duplicate accounts showing on credit report. 

Merchants Adjustment Service Account # Seller : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # Seller : XXXX XXXX XXXX XXXX Account # XXXX Seller : XXXX XXXX XXXX Comments : XXXX XXXX XXXX has gone bankrupt and failed to fulfill original contract of providing new vehicle once current lease was paid at least {$10000.00}. XXXX purchased debt and has assumed loan servicer title XXXX  XXXX XXXX Account # XXXX Comments : Consumer sent settlement letters and has yet to receive response. Delinquency due to job loss.

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A : also states a Consumer reporting agency can not furnish an account without my written instruction.

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 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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACCOUNT # XXXX PORTAFOLIO RECOVERY HAS VIOLATED MY RIGTHS. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION XXXX : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRINET INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that CHECKR has used my property, ( hereinafter referred to as identifying information of XXXX ) for financial gain without my permission. 
CHECKR has provided a consumer report ( hereinafter referred to as report ) to XXXX, XXXX in regards to XXXX. 
CHECKR is a consumer reporting agency as described in 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
This report has had an adverse impact on my reputation, as well as has caused me to loose the ability to earn via the XXXX platform. CHECKR has reported that an INSTALLMENT PLAN is in a DEFUALT status. The information CHECKR provided in the report is not accurate in that there was never a valid contract in place according to my records. 
CHECKR has displayed Inexcusable negligence or ignorance by allowing this unverified item to be placed on the consumer report of XXXX, which is considered as nearly equal to fraud. CHECKR has violated [ 15 U.S.C. 1681a ] in that CHECKR has engaged in a fraud committed using the identifying information of another person. 
A debt collector must swear true, correct, and complete that an exchange of valuable consideration has occurred that allows him to demand repayment. CHECKR has not shown proof that the provider of the negative information used in the report ever had a valid contract with me, consequently any adverse actions they took against XXXX XXXX or any negative reporting information they provided to CHECKR should never have been placed on a consumer report. CHECKR has provided no proof that such a sworn statement exist, nor that CHECKR had access to it prior to engaging in erroneous reporting of false information.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and found that Experian is illegally reporting incorrect information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$820.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX This is a violation of FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed.

I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of the credit report showing your compliance with all FCRA and Metro 2 Reporting requirements. 

With Great Sincerity, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

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

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

Received collections letter from Revenue Enterprises regarding medical debt they allege i owe, no verification of debt provided, debt not substantiated, i do not have any knowledge of this debt
Product: Credit reporting or other personal consumer reports

Information was linked to the dark web on XX/XX/2024. XXXX sent the alert by email and this action resulted in all of my credit report being breech causing me to be a victim of identity theft. So therefore I need all item removed off my credit report. Finally this was address to all three credit bureau with letters sent about several inquires and other items, Thanks!
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX XXXX {$3100.00} Date Opened XX/XX/XXXX XXXX/DEPT OF ED {$31000.00} Date Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX {$10000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$8700.00} Date Opened XX/XX/XXXX Inquiries XXXX  ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal items were taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to notify them as well. These accounts are fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$560.00} ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was looking over my consume report and found hard inquires that I do not recognize. Please take these inquires off my report. Experian reporting XXXX XXXX XXXX XX/XX/year>, XXXX reporting , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Due to a mistyped bank account number ( either due to misreading a number on our part or a typo on their part ) on an Electonic payment set up my mortgage payment, the payment did not go through, and the mortgage company did not inform us of the problem until after 30 days had passed by way of a foreclosure notice that arrived on day 2 after month end. they claim to have sent notices but that is patently untrue. This company is gaslighting me. I promptly paid that missed payment the day we learned of it and the account is up to date. I requested as a client concession that, because of the honest error of a typo, that they not report this to the credit bureaus. I contacted them several times and they simply repeat back what I have explained and then give a scripted answer stating that they will not honor my request for a waiver or reporting this. 
This company is very dishonest and should not be allowed to operate in a retail financial services industry. The XXXX XXXX XXXX is full of complaints similar to mine, and I feel that a regulator should be aware of their tactics. 

I am attaching their last letter which us just a regurgitation of prior correspondence without any indication of a willingness to resolve the issue.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I don't know the account numbers : Delete these accounts from my credit file because they were charge off 's and should not be inaccurately reporting a XXXX Balance : {$210.00} it's being reported on XXXX XXXX XXXX XXXX XXXX {$10000.00} its being reported on XXXX, XXXX, and Transunion. Both of those accounts been charged off. The companies filed for loss profits and received a tax write off. Investigate this matter immediately and remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$370.00} XXXX XXXX  XXXX {$470.00} XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX {$86.00} XXXX  XXXX XXXX {$120.00} XXXX  XXXX XXXX {$270.00} XXXX  XXXX {$810.00} XXXX   XXXX {$3200.00}
Product: Credit card

Capital One does not want to provide information regarding my account. I understand they could not provide the info due to a recent identity theft that happened to me. They are requesting for me to provide documentation to prove my identity. I provided documentation but Capital One is saying the documents does not match the address they have on file for me. The address they have for me is " XXXX XXXX, CA '' which is for a closed account I had with them before. I applied for a new credit card last year with capital one using my XXXX XXXX address. I have called them numerous times and will not help me until I provide documentation with my " XXXX XXXX, CA '' address. I have not lived in XXXX XXXX for over 10 years.
Product: Debt collection

Pinnacle debt collection company tried to collect our quarterly maintenance fee of {$370.00} ( for XXXX quarters ) and we were willing to pay the past due but they said there is an additional fee of {$120.00} for collecting service which we can not agree with.
Product: Debt collection

I am writing a second complaint against Bull City Financial. They have replied to my first complaint refusing to remove invalid information from my credit report. Today, in hopes of getting clarity, I spoke with the original creditors XXXX XXXX, XXXX XXXX billing department, as well as the state XXXX division in my area. I spoke with XXXX from the original creditor and according to the records, I was covered by XXXX during the time of service. The account was sent to Bull City due to the negligence of XXXX XXXX billing department and them not submitting a claim to XXXX. This information was verified by the hospital I XXXX at. Per XXXX in billing at XXXX XXXX XXXX, XXXX was active during my XXXX and they have billed for their services, the doctor failed to bill for his. XXXX with NC State XXXX XXXX office also verified there were no billing claims for this doctor 's office and that they have 365 days to enter a claim. XXXX with XXXX XXXX agreed that XXXX had not been properly billed and that I should not be billed for these services.
Product: Checking or savings account

I had my irs refund of XXXX dollars deposited into my Citi bank checking account, as soon as the funds were received they immediately closed my account, put a hold so I couldnt withdraw the funds, refused to tell me why account was closed ( I havent done anything wrong for them to do this ) and told me it would be 60 days till they send me the money. I have XXXX XX/XX/XXXX and was expecting to use that money and if I cant get access to it I will have to reschedule this XXXX that I have already put off as long as I possibly could. I verified my identity to them, I there wasnt any fraud or any reason to close my account, and they hang up on me every time I try to get resolution.
Product: Debt collection

On XXXXXXXX XXXX XXXX, I sent STATE COLLECTIONS SERVICES, INC a certified mail letter, requesting validity of the alleged debt and I have yet to receive a response!
Product: Debt collection

This negative item does not meet the FCA reporting requirements. I do not recognize how and why this is reported. Delete immediately, please. I have attempted to contact this agency asking them to vary the proof of debt and they've denied my request.
Product: Debt collection

Date Dispute was submitted : XX/XX/year>2022 Submitted online via XX/XX/XXXX The amount is {$3700.00} the credit limit is initially {$300.00}. 

There is no way an account with a {$300.00} max limit goes up that, I've disputed this time and time again, and never once have received a letter stating how to pay off the debt or who is handling the said debt.
Product: Consumer Loan

Audi/VW Financial has stopped sending monthly statements in XXXX 2016 for the following reason : " You have made payments greater than actual due and we are using a third party company to issue statements. Since you 'do n't owe ' money we ca n't send you a statement. '' As a consumer, I am entitled to know 1 ) if they actually got my payment and 2 ) my current balance.
Product: Credit card

Truist denied my applicstion for a business credit card because of information garned from a personal credit file. I informed that this action was agaainst the law because is 15 us1697 states that adverse action can not be taken against a consumer where its know that the credit file being used to make the credit decision contains obverious errors and is incomplete.
Product: Mortgage

The loan servicing website is broken and does not allow users to log in and pay their mortgages. This has been ongoing and is causing people to miss payments. They do not answer phone calls and there is no email address to contact them at. They are forcing their customers to pay late fees that are out of their own control. This is completely unacceptable for a company in 2020. Website outages and log in problems should not happen and they need to be transparent when it does happen instead of pretending nothing is wrong.
Product: Checking or savings account

On XX/XX/2023, I received emails from Bank of America stating that a new account has been opened and they were verifying my email address. I do not bank at Bank of America, nor did I open an account. I forwarded the emails to the email provided by Bank of America. 
On XX/XX/XXXX, I received an email that the bank account that was open was now closed. 
On XX/XX/XXXX, I received a check for {$450.00}, which was the leftover funds from the account. 
On XX/XX/XXXX, I talked to the fraud department at Bank of America. The representative stated the account was closed and they had marked it fraudulent.
Product: Credit reporting or other personal consumer reports

I have noticed unfair and inaccurate reporting on my consumer credit report, along with multiple inquiries that need to be removed as for I have never received any goods, products, services nor credit from any of those companies. This falls under violation of Federal Law and shall be removed immediately for my safety and as a federally protected consumer. And any address that is not my current mailing address, is consider non-mailable and needs to be remove. It is causing me injury and damage! 
XXXX XXXX Report dated XX/XX/year> states XXXX XXXX XXXX  as the account name which is inaccurate and incorrect as well as the account number listed. 
Equifax Consumer Report dated XX/XX/year> states : XXXX XXXX  XXXX as the account name which is inaccurate and incorrect as well as the account number listed. 
XXXX Consume Report dated XX/XX/year> states : XXXX XXXX XXXX as the account name which is inaccurate and incorrect as well as the account number listed.
Product: Debt collection

ThIS debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( XXXX ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General, XXXX XXXX XXXXXXXX XXXX XXXX XXXX and The Federal Trade Commission ( FTC ) have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Credit reporting or other personal consumer reports

This is my 2nd request In accordance with the Fair Credit Reporting act XXXX 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.

This is law!
Product: Mortgage

I had a XXXX XXXX back in XXXX XXXX, was out of work for almost a year. Finally caught the mortgage up in XXXX, but have gotten behind. Company doesnot communicate, returns funds, applied funds to other accounts. Just read a XXXX review of loancare. This is not an isolated company. They say no mortgage paid since XXXX XXXX. Have an appointment with bankrupcy attorney as last attempt to save our home.
Product: Debt collection

Americollect is attempting to collect on a debt that has been paid in full since XX/XX/22. They are illegally reporting a balance to XXXX, XXXX, and XXXX.
Product: Checking or savings account

I have had a busine ss account with Citi for several years. Citi, decided to close all their branches in MA and subsequently they forced everyone to use  their online banking for all transactions.   On MOnday the   XXXX   XXXX   XXXX   XXXX    , i went on line to see the procedures required to wire money to a vendor but noticed that i had repeated login issues. Naturally i called the toll free number on the back of the ATM card to seek help. Yet every time i called, they said that since my account is a " special commercial account '', only my account  manager ( yes, one person ) c an help me unlock my account.   After several attempt to reach my account managers, who happens to be in TX and CT, i am now told tha t CITI, during their routine KYC complian ce checks, noticed that after years of banking with them, they do not have some information about me. And as such, they have decided to first close my account on the   XXXX   XXXX   XXXX   WITHOUT ANY NOTICE TO ME. Then when they realised that they made a mistake, for  two days now they have tried to re-open my account. Yet after 5 days, i STILL DO NOT HAVE ACCESS TO MY MONEY to conduct my business.    If  CITI screwed up on their compliance procedures, information that i have already given to them, why are they STILL blocking me access to my money? i have a I feel so helpless as there is no one that will help and there is no branch to go to to get my money out. In the meanwhile, i have written three chec ks, which i am certain will bounce. This is affecting my business very negatively.   This is so wrong on so many levels and i feel helpless.