23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a baby at XXXX XXXX XXXX XX/XX/XXXX, and I set up a payment plan 2 weeks later, which I have been on ever since ... it is in good standing and I have never been late. Apparently there was a separate charge billed several months later that I never received any texts or emails about ( I am on paperless billing ). XX/XX/XXXX I found a collections account reported on XXXX for {$860.00}. I called XXXX XXXX XXXX a total of 5 times, and every time I was told my account was in good standing and there are no issues. I called the collection agency, United Collections Bureau, and they had me email in documents to show my account was in good standing. No one got back to me. I called again the next week, and was provided with an account number. I called XXXX XXXX XXXX again and presented that account number, which turned out to be in my baby 's name for some reason, and I asked why it was not added to my payment plan that I already established, which I was not really given a reason for. She then connected me with the collection agency which was already closed for the day. I asked her beforehand if this could be added to my payment plan and be removed from collections and she did not help with that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to keep an account with incorrect information on my credit reports. After multiple dispute attempts that take 24 hrs or less to verify. I sent a 609 letter to experian asking for documentation of the account and for the account to be removed if tge documentation could not be provided in 30 days under section 609 of the fcra.
Product: Credit reporting or other personal consumer reports

An unauthorized line of credit was opened with Capitol One. All of my information was used but I did not open the line myself. I asked that the account be closed and everything be wiped clear but I am still getting emails about account updates for an account I did not make and have no access to. I believe someone else has opened the line of credit and still has access to an account with all of my information including my social security number.
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 confidentiality under 15 USC 1681. 

Account Name : XXXX/XXXX  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX Account Name : XXXX/XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX submitting this complaint against Transunion, LLC and there is no third party involved. 


As of XXXX, XX/XX/2022 at XXXX EST your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the XXXX XXXX compliance and FCRA Delete & purge these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all hard inquires & late payments as well
Product: Credit card

My credit card was closed in XX/XX/XXXX. I was never late on this card as of today XX/XX/XXXX my XXXX credit report reported five late payments and the card reopened back up with the balance this lowered my credit score XXXX points. This is ridiculous. I cant close the card Last year when I did XXXX  XXXX bankruptcy, you guys are violating the bankruptcy laws. Ive sent this information to you several times Ive contacted you guys several times about this problem and you keep hurting my credit when the card was closed months ago I need this fixed ASAP. Im gon na file a complaint with my bankruptcy attorney and have them file motion against you guys.
Product: Credit card

American Express froze my card. According to them I filed for Bankruptcy. This is untrue. I ask them to provide all documentation used to determine that I filed for Bankruptcy, they indicated they could not provide any documents. In addition I ask if they reported anything to the credit bureaus. They did not know if anything was submitted. 

I have spent many hours correcting all the automatic payments because of this freeze on my card. This is a gold American express card that I pay over {$75.00} for a year.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information includes hard inquiries, collections, and accounts that were not authorized by me. These include a fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is also the result of identity theft and fraud. 

These unauthorized accounts, collections, and hard inquiries have caused significant damage to my credit score and financial reputation. I do not recognize any of these items as reported, as they were not opened, made, or initiated by me and are the result of identity theft. I have attached the following documentation to assist with your investigation : a copy of my FTC Identity Theft Report ( XXXX XXXX ), a detailed list of fraudulent hard inquiries and accounts, and a copy of my consumer credit report that highlights the fraudulent items.
Product: Credit reporting or other personal consumer reports

credit inquiry got reported on my credit report on XX/XX/year> to XXXX XXXX ( AUTO ). I dont recognized this inquiry was made without my consent. i had contact the company and had contact Transunion never got deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX 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

Got text message that number from XXXX and message show " Fr. : Chase. 

Your Online Access Has Been Suspended Due to Multiple IP Detection Follow to reactivate Immediately XXXX XXXX XXXXXXXX
Product: Debt collection

I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION.

OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

In 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as lateforanypurpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to XXXX, Experian and XXXX back in XX/XX/2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social.
Product: Credit reporting or other personal consumer reports

TS BEEN PAST XXXX BUSINESS DAYS AND THE ACCOUNTS ARE STILL NOT BLOCKEDVIOLATING MY RIGHTS AS A CONSUMER UNDER THE FCRA XXXX I AM A VICTIM OF XXXX XXXX THESE ACCOUNTS WERE THE RESULT OF THAT TRAFFICKING PLEASE BLOCK THESE ACCOUNTSWITHIN XXXX BUSINESS DAYS PURSUANT TO FCRA XXXX. PLEASE PLACE A FRAUD ALERT ON MY PROFILE USING THE NUMBER XXXX. PLEASE PLACE A SECURITY FREEZE ON MY PROFILE. PLEASE ALSO OPT ME OUT. PLEASE BLOCK THE ACCOUNTS RELATED TO XXXX XXXX. PLEASE ALSO SEND A COPY OF MY CONSUMER REPORT UPDATED TO MYSELF AND XXXX. SUPPRESS MY FILE
Product: Credit card or prepaid card

In response to an online application for a credit card, I received a letter dated XX/XX/2022 from Barclays stating that my application was denied because of a negative credit history with their company. 

I sent a letter to Barclays on XX/XX/2022 stating that I had no negative credit history with their company -- in fact with no company -- and asking for further details so that I could understand their records and have the opportunity to resolve the incorrect information. 

I have not had a response from Barclays.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, and Experian refuse to remove inaccuracies from my credit report which have resulted in an inability to be approved for home loans, credit cards, as well as increased interest rates on current credit accounts. XXXX  accounts were charged-off because the debt was not valid, and were removed only to be re-applied to my report on XX/XX/2022. The Dept of EdXXXX account has derogatory remarks that are inaccurate and this account is also invalid and should not appear on my credit report. I have asked XXXX not to share my personal and private information as they have been in violation of 15 U.S. Code 6802 and have not provided the opportunity for me to direct that such information not be disclosed to such third parties ( XXXX XXXX, XXXX, and Experian ). 

I am requesting ALL accounts related to XXXX and XXXX be permanently removed from my credit report. I am also requesting monetary relief for damages caused by derogatory reporting.
Product: Mortgage

We tried to recieve a lower interest rate back in XXXX with XXXX  XXXX XXXX then sent our loan to another company who at that time told me to hold my payments and we did until they received our paperwork at that time they tried to foreclose on us then. We paid the money up and was fine then our loan was sold to shellpoint mortgage company and they told us to send our payments in and we did and they did it again. Then they did it again in XXXX and we paid them {$36000.00} through an attorney and we made 5 months of payments to them and in XXXX of XXXX they sent back 3 months work and at that time refused to talk to us so we back to our attorney and they wouldn't talk with him either and then covid hit and they never called or mailed us anything or to our attorney u til XXXX of XXXX and said we now owe XXXX in order to reinstate our loan whoch is nailing us with all these court costs and attorney fees all for nothing when they could have simply took our money I stead of mailing them back to us with the stamp NO on the post office checks. These people are mean and cruel to try and take an XXXX year Olds home when they have always paid there mortgage every month and never had any problems. Please help us before we are homeless with nothing we have worked for our whole lives. These people just don't want to work with anyone at all, and they lie cheat and steal homes from the American people and this needs to stop our health have gone down hill from all the stress and not knowings what we are facing. So please help us. Thank you
Product: Debt collection

Between XX/XX/XXXX and XX/XX/XXXX I received multiple notifications about deletions, additions or changes in my credit report. I have disputed the validity of the alleged debt and account with this collection agency and still feel as though my consumer rights are violated. In Case # : XXXX the company responded dated XX/XX/XXXX they would cease and desist further actions. As stated above I received notification that changes to my XXXX and XXXX credit reports had been made. The changes were that the account was closed and removed from the XXXX report. As for the XXXX report heres where the problem is. The account was removed from the report, however it was reinserted without 5 day written notice as required the FCRA.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$6000.00}
Product: Debt collection

I am being XXXX with non-stop mail in debt collection requests at my parents house as well as phone calls by several debt collectors. I am under a XXXX XXXX and am deemed XXXX XXXX XXXX and " do not have the right to contract '' this includes taking out any loans or credit cards without my guardians consent. Also, by court order under Florida law this is ordered by a circuit court judge. Any passed debts I owed are now deemed legally obsolete by Florida law under Florida statute XXXX incapacity as I did not know what I was doing at the time of taking out any credit cards and/ or my legal guardian is responsible for paying debts not me. I have tried to reason with the debt collectors and almost all have released the debts while only 2 others remain harassing me and illegally are trying to collect a debt of a deemed adjudicated mentally incapacitated man by court order. The names of the creditors are below. I also had my identity compromised and information is listed on the dark web according to experian credit bureau. I did not open a capital one credit card in XXXX unlike Portfolio Recovery is trying to claim. Regarding XXXXXXXX XXXX that debt is a medical debt responsible for by my health insurance in XXXX. If the creditors do not remove the debt immediately my guardian will sue them for harassing and unfair practices as a debt collector. XXXX XXXX : XX/XX/XXXX - Present. Portfolio Recovery : XX/XX/XXXX - Present.
Product: Debt collection

YOUR COMPLAINT XXXX began garnishing my paychecks in XX/XX/2025 for a debt owed to the AAFES. The amount owed was {$1200.00}. This amount is included in the letter sent to my Human Resources office. Fast forward to XX/XX/XXXX, XXXX garnished {$830.00} from my tax return-which would have paid my debt in full. After this date, they are still garnishing my paychecks. I understand one paycheck due to the timing, but not two. After speaking with them today, they still do not show that my account has been paid in full. It has been 3 full weeks since they took my tax return $ through the XXXX program and I have the letter from the Dept of the Treasury showing this. My next paycheck will also be garnished next week because the cutoff for my payday is Sunday. Today is Friday. At this point, XXXX owes me over {$180.00} and will be {$300.00} or close to {$300.00} when they garnish my check next week. I need this garnishment to be stopped and I am requesting a full refund of $ $ that should not have been taken after XX/XX/2025. I was told initially that it would take 7-10 days for my garnishment to stop. It is now 21 days and still ongoing.I am paid bi-weekly. Thank you. I am submitting an edit to my original complaint as it is still not resolved. It is now 29 days since I received the letter from the DEpt of the Treasury showing that my tax refund was garnished -XXXX XXXXXXXX was the date of the letter so the garnishments happened over pone month ago. XXXX is still saying that they have not received the payment and they are continuing to garnish my paychecks. They will not allow me to speak with a manager and do not reply to the numerous requests I have submitted a long with a photo of the letter received as proof that they have been paid in full. I am beyond frustrated. This is completely unfair business practice. I need something to be done. I have verified that the account number on the garnishment XXXX letter is the correct account number. Yet, they say they can not doing anything because the $ $ was not received. IT is beyond ridiculous.
Product: Credit reporting

I 'm contacting CFPB to aid me in resolving previously deleted accounts that have reinserted on my credit file. 

My Equifax report dated XX/XX/XXXX showed no " Negative Information " reporting on my credit, see attached online print out. My current report dated XX/XX/XXXX shows XXXX accounts under the " Negative Information '' section ; see attached online print out. I have previously disputed these XXXX accounts with Equifax : XXXX XXXX XXXX, XXXX XXXX, and XXXX Card. I recently sent a dispute on XX/XX/XXXX under Confirmation # XXXX ; enclosed is a copy of the dispute. 

Equifax reinserted the XXXX deleted accounts without notifying me. The FCRA states that they must inform me within 5 days of the reinsertion. 

I 'm in disbelief that this error is happening on my file. In XX/XX/XXXX I resorted in contacting the support of the Consumer Financial Protection Bureau on an item that had been deleted and reinserted. Through your support Equifax fixed the error. 

It 's absurd that they are violating my rights under the FCRA and they are careless. It seems to me that without resorting to filing a complaint with the Consumer Financial Protection Bureau, they do not follow FCRA procedure. 

In addition, the state of Nevada revised statute clearly states that a dispute must be completed within 30 days ; yet the online system shows XXXX disputes " pending '' from XX/XX/XXXX and XX/XX/XXXX How could I possibly trust this company 's procedure when they have violated the XXXX and XXXX laws over and over again on MY file. It seems that this is their " standard '' practice. 

Equifax needs to be sanctioned so that they do n't commit these types of errors again nor with other consumers.
Product: Debt collection

XXXX OF XXXX REPRESENTING A PAYDAY LOAN COMPANY SPOTLOAN STATED I WOULD BE ARRESTED FOR FRAUD IF I DID NOT MAKE SOME KIND OF PAYMENT. I CLOSED THAT ACCOUNT THAT THE ACH WAS COMING OUT OF DUE TO RELOCATION FOR PERSONAL REASONS. AND I WAS NEVER CONTACTED MY A DEBT COLLECTION COMPANY OR THE COMPANY ITSELF.
Product: Credit reporting or other personal consumer reports

Trans union report my account is past due 60 days and the account is paid off with a XXXX. XXXX and the account is closed so how can it be past due 60 days
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, This creditor has violated my rights. 

Under 15 U.S.C 1681 section 602 States, I have the right to privacy 15 U.S.C. 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against TransUnion Consumer Solutions located in XXXXXXXX XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TransUnion Consumer Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Consumer Loan

The financial institution that is financing a vehicle I have had put me on a do not contact list without my approval, which resulted in me not being contacted for four months while delinquencies were happening without my knowledge.