23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ra Rogers Inc Collection contacted me about a debt their saying I owe XXXX XXXX XXXX XXXX. I don't owe XXXX XXXX XXXX XXXX any money. When the transaction happened I was in Minnesota at the XXXX XXXX having XXXX and XXXX for XXXX XXXX. I did not authorize any transactions that occurred on my XXXX XXXX XXXX XXXX account and I'm not responsible. This company has reported incorrect and fraudulent information to the credit bureaus and I want them investigated. I would like for this company to stop harassing me and ruining my credit for something I did not do.I 'm going to get my attorney involved at this point. As of today i have not received all the transactions info, I requested that this company send me all the transaction on the XXXX XXXX XXXX checking account and they have fail to do so. XXXX XXXX XXXX XXXX informed me back in XXXX  this account was closed because I reported someone used my account and this Ra Rogers Inc Collection an old debt buying company obtained a account and trying to collect. They are not getting XXXX XXXX  from me because I don't owe it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX and XXXX, XXXX, and XXXX   XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX, XXXX, and XXXX   XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate infomation on my credit report. 
My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report, this is a violation on my consumer protection rights
Product: Credit card

I have an ATT Universal credit card with Citibank. On XXXX/XXXX/15, I wanted to authorize an online transaction in the amount of XXXX British pounds ( a bit more than {$3000.00} ), to a firm in the XXXX XXXX, for the purchase of a collectible item ( a coin ). Citibank 's fraud protection unit often blocks transactions of this type ( they blocked XXXX of mine just three weeks prior ), and I contacted Citibank through its online secure messaging system to notify them that the transaction would be coming and that it was valid. The electronic response I received told me to telephone them, which I did on XXXX. I gave them all the information for the transaction, including the anticipated date it would be completed ( XXXX/XXXX/15 ), and I was assured it would be processed. 

On XXXX, I received notification from the vendor that the transaction had been declined ; I also received an email notice from Citibank that it had been declined. I telephoned Citibank again in the evening of XXXX, and they advised that the account had not actually been noted to approve the transaction ( despite the separate electronic and telephone notifications I provided ), but that they would do so now : I was assured that the transaction would be approved when the vendor resubmitted it the next day, XXXX ( at this time it was already after business hours in the XXXX XXXX ). As further assurance, the Customer Service Representative told me that she or someone else from Citibank would contact me when the transaction went through. 

After speaking to Citibank, I contacted the vendor to authorize him to proceed. 
On XXXX, the vendor notified me that the transaction had again been declined ; I also received an e-mail notification from Citibank that it had been declined, with a request that I contact them to verify whether it was valid. 

I AGAIN verified that the transaction was valid, using Citibank 's electronic verification system, which advised me to have the vendor re-transmit the transaction. I then attempted to have the transaction go forward ... and it was declined again. 

I then XXXX telephoned Citibank, but I was not able to reach anyone at Citibank to clear this up -- both times the phone system just went through voice prompt XXXX -- but when I checked my account online I found that they were XXXX " pending '' transactions for the vendor, each in the full amount. Those XXXX " pending '' items match up with the XXXX separate attempted charges -- each of which was returned as " declined. '' Notwithstanding that the charges were all declined, my available credit limit has been reduced by an amount equal to the total of the XXXX failed/declined transactions. 

I then threw up my hands and ran the transaction using a XXXX credit card -- which went through without a hitch.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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, 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: Payday loan

I took out a loan from Castle Payday, now XXXX XXXX XXXX. On XXXX/XXXX/16 I got approved for a loan for {$600.00}. It is my understanding that in Minnesota you have to be licensed to lend to residents. To date, I have paid {$330.00} in fees for a {$600.00} loan. I do not believe this company is legal to lend in Minnesota. They say they are governed by Tribal laws, but I do n't see how that can apply to someone who is n't living on the reservation.
Product: Checking or savings account

American Express closed my high yield savings since 2023. And they never send me my balance. I called customer service several times and they only give me the run around. Back in XXXX 2023 they said they already sent check which was a lie. I had to fill out a stop payment form for them to reissue. And still nothing. They dont want to return my {$120.00}.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX that has no credit history. After applying for student loans, it was discovered there were some items I'm not familiar with on my credit. I reached out to the companies they were very rude and unhelpful. I reached out with my financial aid XXXX next to me. Followed all steps they provided. The fraudulent accounts are still on my credit report. I can't afford to have a credit card or any equipment they say I have because I'm a XXXX XXXX XXXX XXXX XXXX The accounts were open fraudulently.
Product: Debt collection

EASTERN ACCOUNT SYSTEM Account # XXXX have a a unverified account from EASTERN ACCOUNT SYSTEM. I had previously disputed this account this account. I have never done business with EASTERN ACCOUNT SYSTEM. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt EASTERN ACCOUNT SYSTEM purport I owe. I request thatEASTERN ACCOUNT SYSTEM Provide verification of the following : XXXX. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EASTERN ACCOUNT SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Amount : {$690.00} *Please remove this account off of all my credit reports : XXXX XXXX XXXX and Experian. * Account name : XXXX XXXX Account # : XXXX * Account has been paid and closed. Please remove from my credit reports : XXXX, Experian, XXXX. * Account XXXX : XXXX XXXX Account # : XXXX * Account has been paid and closed. Please remove from my credit reports : XXXX, Experian and XXXX. * 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

Here are attatched of all the proof u need to dismiss my 180 days late payments on my XXXX Experian and XXXX report. this is concerning my education loan through XXXX. I have never missed a payment due to me always being on a deferment or forbearance option with the loans for my schooling.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to express my deep disappointment and frustration regarding your company 's lack of response to the compelling evidence I provided through an FTC affidavit.I specifically want to address my most recent communication on XX/XX/year>. In that correspondence, I requested TRANSUNION to conduct an investigation to authenticate a disputed account. I highlighted that this account potentially contained inaccuracies and should not be on my consumer report. While an " investigation '' was carried out, I must bring attention to a significant issue that has arisen. I received a letter stating that the creditor confirmed the accuracy of the accounts.It seems improbable that this creditor, managing millions of accounts across various bureaus, would take the time to verify this specific account unless prompted by TRANSUNION. I strongly believe that TRANSUNION employed delaying tactics against me in processing this investigation. Let me be clear : such behavior not only constitutes a stalling tactic but also violates the Fair Credit Reporting Act ( FCRA ) by neglecting to address my dispute request. The initial request for investigation was solely initiated by me, with valid reasons to believe inaccuracies existed on my credit report and without involvement from any third-party agency. It appears TRANSUNION intentionally disregarded my request for a thorough investigation.Therefore, this complaint serves as a formal notice demanding [ TRANSUNION to provide a detailed outline of your verification procedures within 30 days for the specified accounts below. Failure to comply will leave me no option but to pursue legal action against your company. Please investigate and remove it from my credit report.
Product: Debt collection

I sent a letter via XXXX certified mail with return receipt to Sunrise requesting debt validation/verification/copy of purchase agreement from original debtor. In the letter I advised them to stop all phone/email communication and only communicate with me via mail. They have not stopped constantly texting and calling my phone. I have all records to sue. They need to stop contacting me via phone like I told them to in my validation letter that they failed to respond to.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I were applying for a home mortgage through our bank. When the bank tried to pull my credit report from Equifax, they got notice that my account was frozen or blocked. I have never done anything at all with Equifax and am frustrated with how my account was frozen in the first place. 
I contacted Equifax the week of XX/XX/XXXX to discuss this issue with them. They were unable to tell me anything until I submitted a copy of my social security number and driver 's license. They gave me a fax number to send it to. I have continuously tried to fax over this documentation unsuccessfully as it will never go through. I then sent it through the mail with overnight shipping. They told me at Equifax that it will be processed with 3-5 business days. I mailed it on XX/XX/XXXX. 
I have called them every day for the last 3 days and they still have not processed my information. I feel as though I am speaking with a robot every time I talk with someone on the phone. If I ask a question that they do not have an answer to, they will say " If I was in your position, I would feel the same way '', instead of acknowledging that I even asked a question. 
It has been a week and a half and they won't do anything except tell me " It takes 3-5 business days to process. We have not yet processed your information ''. They will not unfreeze my credit, which I did not freeze in the first place, and are unwilling to do anything else.
Product: Debt collection

In accordance with the Fair Credit Reporting act LVNV funding LLC ( resurgent ) 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.

1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter 2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my wet signature.

6. Please provide a complete account history, including any charges added for collection activity.

7. Cease and desist as this is identity theft.

For 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute the incorrect lates on these accounts but the credit reporting agency will not reflect the change that my accounts are correct and payments are in good standing.
Product: Credit card

i received a XXXX from XXXX  vis XXXX Mail in XXXX, 2025. I never applied for the card. I called their customer service and cancelled the card on XXXX/XXXX/25. They cancelled the card and opened an investigation, # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX 2021 Equifax posted many inquires I did not consent to. They have committed fraud and several violations of the FCRA. It has been over a month now and those false inquires are still on my report despite my efforts. EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, Equifax has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information Equifax in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave Equifax permission to furnish this information. Fact, I never gave consent for Portfolio recovery to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe damages to my reputation, defamation of character, and my familt as well as my quality of living.

I demand the late payment reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 to be removed. 


They are not in compliance with15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law. 

- 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer.
Product: Credit card

I have had several charges on my account from fraud. I also filed a dispute with a merchant for not providing services. Chime did not properly open a dispute or credit my account. I had to call several times to get the dispute processing. Chime closed my dispute for the merchant that did not provide services. I did not get credited back. I am lucky the merchant decided to refund my money because Chime failed to protect me. I also had other chares oin my account which chime is not doing any due diligence to credit my account. They close the dispute without crediting me or providing any information on the investigation. This has been ongoing when I file disputes and Chime closes them instantly.
Product: Mortgage

I AM A XXXX OF THE XXXX OF VICTIMS OF WELLS FARGO FIASCO, HAVE BEEN SUBJECT TO ABUSES BY ITS LOAN PRESERVATION DEPARTMENT STAFF, WHO REPEATEDLY REFUSED MY HOME MODIFICATION APPLICATION FOR NO REASON, DESPITE MY GOOD STANDING IN MONTHLY PAYMENTS. I WANT TO BE ADDED TO THE LIST OF THE FOLLOWING SETTLEMENT VICTIMS : CFPB Orders Wells Fargo to Pay {$3.00} XXXX for Widespread Mismanagement of Auto Loans, Mortgages, and XXXX XXXX XXXX repeatedly misapplied loan payments, wrongfully foreclosed on homes and illegally repossessed vehicles, incorrectly assessed fees and interest, charged surprise overdraft fees, along with other illegal activity affecting over XXXX XXXX consumer accounts
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach, and the following fraudulent accounts have been identified on my credit report. I request that these accounts be immediately blocked and permanently removed from my credit file in accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX BANK SS - XXXX - XX/XX/XXXX - {$00.00} BANK XXXX XXXX - XXXX - XX/XX/XXXX - {$8500.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$2700.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$640.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$860.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$950.00} XXXX CARD - XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$26000.00} XXXX - XXXX - XX/XX/XXXX - {$830.00}
Product: Credit card

Laptop, cell phone, and wallet were stolen from a local college library. As a result, there are '4 ' fraudulent charges on the credit cards in my walletat the time of this breach ( accounts and charges are outlined in this affi davit ). Additionally, credit card accounts have been hacked and the address changed to XXXX I have no association with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lastly, I reviewed my XXXX credit report and found thefraudulent address listed in addition to '3 ' unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a result of the unauthorized activity, I locked and placed a fraud alert with each credit bureau on XXXX 

This particular charge ( {$1100.00} ) is related to a XXXX XXXX  scam by an unregulated broker ( XXXX ) located in the XXXX XXXX. The account that the fraudulent charge is related to is under a different name and demographic information. Attached to this complaint is an FTC Identity Theft Affidavit, Police Report, and the XXXX invoice showing the account is under a different name.
Product: Debt collection

I have already filed a complaint earlier but would like to add on as I respond to the response the company gave. I would like clarification on how no HIPAA laws were violated as I never provided my signature to consent XXXX XXXX to disclose any of my information. Additionally, I called stating that my insurance was supposed to have paid in full and talked to a representative about it who said they would " get back to me via phone call '' to which they never did. I have never received any additional calls after that request. XXXX XXXX called me multiple times asking me to verify my insurance to which I did so the fact that this went to collections in the first place is beyond me. Lastly, I never received any mail from the collection agency. You state that it was never returned as undeliverable but this would mean that there was an incorrect address on file which puts in question the validity of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX will love XXXX to update missed payment to paid on time due the fact all payments are current
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Experian on XX/XX/2018 to find out why there was freeze without consent on my credit bureau. After being on the phone with them several times ; the agent finally told me that the pin number associated with my credit file was being mixed with someone else 's credit file. 

They have no idea how long this was going on and the agent told me he could not fix the error on his end because the systems were down. I told him they were ruining peoples lives doing stuff like this and he agreed and apologized, but, again said there was nothing he could do. 

This means my credit scores were being mixed with someone else and i have NO IDEA WHAT THEIR CREDIT IS LIKE! I was being turned down by different companies who used experian as their default company to check credit and was not understanding why i was being turned down, because everything on my credit report as far as i was concerned was perfect. It wasn't until i became aware of these developments, that everything started to make sense and the individual on the phone actually agreed with me in stating that this was affecting my credit report neagatively since our reports were being mixed together. 

I consider this fraudulent practices/behavior and i demand immediate reconciliation from experian and I might even consider legal repercussions because i am aware of my rights under the FCRA laws, and this is a blatant disregard of said laws and i know under these circumstance that i could be eligile for financial restitution.